Indexed Annuity Detail Sheet

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	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Featured Products
Surrender Charges Last 16 Years
9% bonus, & 7% compound rollup.
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NV NY OK OR PR TX UT VI WA	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Ages 0 to 76 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Ages 0 to 76 in states IN (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Age 77+ in states IN (16 years): 17.5 16.5 15.5 15 14 13 12.5 11.5 10.5 10 9 7.5 6 4.5 3 1.5
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.75% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25
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	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA	0-79: 8.00 80-85: 4.00
	Withdrawal Notes:			Premium Bonus: 9.00
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,096)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 Fixed Account 1-Year Fixed Rate (no bonus) 2.50% 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.00
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     6.15 1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     3.05 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     6.25

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     5.55
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     7.75
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     5.40 1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.75 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.80
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     6.55 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.35%
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     5.80
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     6.20
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.05%
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.30
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.80
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     6.65
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     5.45
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	Non-Qualified Owner: 85 Annuitant: 80 Qualified Owner: 85 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK AL CT DE IL IN MA MN MS NJ NV NY OR PA SC UT WA	Qualified 0-70: 10.00+ 71-75: 8.00+ 76-80: 7.00+ Non-Qual 0-75: 10.00+ 76-80: 8.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Ages 51 to 51 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Ages 52 to 52 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2 Ages 53 to 53 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 14.25 13.25 12.5 11.75 10.75 10.75 9 8.25 7.25 6.5 5.5 4 2 Ages 54 to 54 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2 Ages 55 to 55 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 Ages 56 to 56 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75 Ages 57 to 57 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2 Ages 58 to 58 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2 Ages 59 to 59 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2 Age 60+ in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Ages 0 to 50 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (13 years): 15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 For states TX (13 years): 10.75 9.75 9 8 7.25 6.25 5.25 4.25 3.25 2.25 1.75 1 0.75
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $996)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     1.75 Option B: Fixed Account 1-Year Fixed Rate (no bonus) 2.40% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 50 1.70
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 Insurance Company of North America Endurance Plus	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY PR VI WA	0-75: 7.00+ 76-80: 3.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AR, AZ, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states AL, CA, DE, IA, IN, KY, MN, MS, TX (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 For states CT, NJ, PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.50%  (GMR/1000 $1,044)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.25 1 Year S&P 500 SELECT Point-to-Point Cap S&P 500 Point to Point Annual None     5.25 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.90% 1-Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     1.90 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.50 1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.00 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum     2.00 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     3.75 1 Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.40 1 Year Blended Monthly Average Blended Indicies Point to Point Annual Monthly   4.50   1 Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     3.25
LIAV can be taken as death benefit over 5 years.
Allianz Life Insurance Company of North America MasterDex 5 Plus Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: NY OR PR VI	0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	For states AK, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, KS, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 15 15 15 15 12.86 10.71 8.57 6.43 4.29 2.14 For states AL, DE, IA, IN, KY, MN, MS (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91 For states CT, NJ, PA, UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.70 1 Year FTSE 100 Monthly Sum Cap FTSE 100 Point to Point Annual Monthly Sum     1.80 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.50% 1 Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     1.70 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.00 1 Year FTSE 100 Point-to-Point Cap FTSE 100 Point to Point Annual None     3.00 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     3.00 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50
8% Simple-interest rollup on income rider. Cost 60 bps.
Allianz Life Insurance Company of North America MasterDex X Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CT NY PR VI	0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1 For states IN, MN, MS, OR (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91
	Guaranteed Minimum Value:		87.5% of Premium at 1.95-2.05%  (GMR/1000 $1,136)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.25 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     3.00 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.60% 1 Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.30 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year Euro STOXX 50 Monthly Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum     1.90 1 Year S&P 500 SELECT Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.00 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50   1 Year Euro STOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None     3.25 1 Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.80
Only EIA w/ Return Of Premium, bonus, and Income Rider. Non-Core Carrier.
EquiTrust Life Insurance Company Market Ten Bonus Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NV NY OR PR TX UT VI WA	0-80: 6.00+ see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,171)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Biennial Monthly     7.00 1-Year S&P 500 Monthly Average Participation Index Account S&P 500 Point to Point Annual Monthly 20     1-Year S&P 500 Monthly Cap Index Account S&P 500 Point to Point Annual Monthly Sum     1.25 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     3.00 1-Year Interest Account 1-Year Fixed Rate (no bonus) 1.15% 1-Year S&P 500 Point-to-Point Cap Index Account S&P 500 Point to Point Annual None     3.00
8% Bonus, 10 yr surrender, 8% commission.
Fidelity & Guaranty Life FG Index-Accelerator 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CT MN NY OR PR UT VI	0-79: 7.50+ 80-85: 3.75+ see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 4 2 For states MA, TX, WA (10 years): 9 9 8 7 6 5 4 3 2 1 Age 65+ in states AK, FL (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00-1.10%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly     3.25 2-Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Biennial Monthly     6.75 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.00 Fixed Interest Option 1-Year Fixed Rate (no bonus) 1.50%
North American Company North American Ten	Non-Qualified Owner: 79 Annuitant: 79 Qualified Owner: 79 Annuitant: 79	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA	0-75: 6.50+ 76-79: 4.88+ see notes
	Withdrawal Notes:			Premium Bonus: 7.00
	For states AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): 18 16 14 12 11 10 8 6 4 2 For states CA (10 years): 18 15 14 14 13 13 12 12 11 11
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,182)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones Monthly Average DJIA Point to Point Annual Monthly     2.15 1-Year Nasdaq 100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     2.00 1-Year Russell 2000 Monthly Average Russell 2000 Point to Point Annual Monthly     2.00 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     2.00 1-Year Nasdaq 100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.15 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     2.00 1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly     2.20 1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly     2.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     2.00 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     2.20 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     2.05 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.25 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     2.00 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 1.15%
Surrender Charges Last 9 Years
NO CAP on global strategy! Credited 41.14% on 3/11/2010.
National Western Life NWL Global Lookback	Non-Qualified Owner: 85 Annuitant: 80 Qualified Owner: 85 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AL MA NY OR VA VT WA	Qualified 0-70: 6.50+ 71-75: 4.00+ 76-80: 2.00+ Non-Qual 0-75: 6.50+ 76-80: 4.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9.25 8.25 7.25 6.25 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $957)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option J: S&P 500 Point-to-Point w Cap S&P 500 Point to Point Annual None     4.00 Option K: Global Lookback Blended Indicies Point to Point Annual Monthly 40 2.00   Option A: S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 50 1.75   Option B: Fixed Interest Rate 1-Year Fixed Rate (no bonus) 2.10% Option D: S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 17 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-05) DE	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 17 years:		20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 2.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25
Surrender Charges Last 15 Years
National Western Life NWL Ultra Future	Non-Qualified Owner: 85 Annuitant: 55 Qualified Owner: 85 Annuitant: 55	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  Yes-Annualization	Not Available in: AK AL CT DE IL IN MA MN MS NJ NV NY OR PA PR UT WA	Qualified 0-70: 5.00+ 71-75: 1.50+ 76-80: 0.25+ Non-Qual 0-75: 5.00+ 76-80: 3.00+ see notes
	Withdrawal Notes:			Prem Bonus: 4.75-10.00
	Ages 0 to 46 (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2 Ages 47 to 47 (15 years): 19 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10 8 6 4 2 Ages 48 to 48 (15 years): 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 8 6