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Company	Product	Years Gtd	1st Year Rate	Rate Thereafter	Gtd Yield to Surrender	Commission
10 Year Interest Rate Guarantees
North American Company	Guarantee Choice 10 High-Band [MVA]	10	3.40	3.40	3.40	2.50 +notes
North American Company	Guarantee Choice 10 Low-Band [MVA]	10	3.25	3.25	3.25	2.50 +notes
EquiTrust Life Ins. Co.	Certainty 10 [MVA]	10	3.25	3.25	3.25	3.00 +notes
EquiTrust Life Ins. Co.	Certainty Select 10 [MVA]	10	3.25	3.25	3.25	3.00 +notes
ReliaStar Life Ins. Co.	ING MVA Annuity 10 Low-Band [MVA, LOAN]	10	3.00	3.00	3.00	5.30
ReliaStar Life Ins. Co.	ING MVA Annuity 10 Mid-Band [MVA, LOAN]	10	3.00	3.00	3.00	5.30
ReliaStar Life Ins. Co.	ING MVA Annuity 10 High-Band [MVA, LOAN]	10	3.00	3.00	3.00	5.30
American National Ins. Co.	Palladium MYG Annuity 10 High-Band [MVA]	10	3.55	2.55	2.65	4.00
American National Ins. Co.	Palladium MYG Annuity 10 Low-Band [MVA]	10	3.45	2.45	2.55	4.00
The Standard	Focused Growth Annuity 10 High-Band [MVA, LOAN]	10	2.50	2.50	2.50	4.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	10	2.45	2.45	2.45	2.50
The Standard	Focused Growth Annuity 10 Low-Band [MVA, LOAN]	10	2.40	2.40	2.40	4.00
Phoenix Life Insurance Co.	Phoenix Select Plus® 10-year [MVA]	10	2.35	2.35	2.35	3.50
Amer. General Life Ins. Co.	AG HorizonSelect 10 [MVA]	10	2.35	2.35	2.35	4.00 +notes
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	10	2.30	2.30	2.30	2.50
ING Annuity and Asset Sales	Guarantee Choice 10 High-Band [MVA]	10	3.00	2.00	2.10	3.25 +notes
ING Annuity and Asset Sales	Guarantee Choice 10 Low-Band [MVA]	10	2.00	2.00	2.00	3.25 +notes
Allianz Life Ins. Co. of North America	Dominator Plus 10 High-Band [MVA, LOAN]	10	2.00	2.00	2.00	4.00
Allianz Life Ins. Co. of North America	Dominator Plus 10 Low-Band [MVA, LOAN]	10	1.90	1.90	1.90	4.00
9 Year Interest Rate Guarantees
North American Company	Guarantee Choice 9 High-Band [MVA]	9	3.30	3.30	3.30	2.50 +notes
North American Company	Guarantee Choice 9 Low-Band [MVA]	9	3.10	3.10	3.10	2.50 +notes
American National Ins. Co.	Palladium MYG Annuity 9 High-Band [MVA]	9	4.45	2.45	2.67	3.00
American National Ins. Co.	Palladium MYG Annuity 9 Low-Band [MVA]	9	4.35	2.35	2.57	3.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	9	2.45	2.45	2.45	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	9	2.30	2.30	2.30	2.50
8 Year Interest Rate Guarantees
EquiTrust Life Ins. Co.	Certainty Select 8 [MVA]	8	4.00	3.00	3.12	3.00 +notes
North American Company	Guarantee Choice 8 High-Band [MVA]	8	3.10	3.10	3.10	2.50 +notes
North American Company	Guarantee Choice 8 Low-Band [MVA]	8	2.90	2.90	2.90	2.50 +notes
EquiTrust Life Ins. Co.	Certainty 8 [MVA]	8	4.50	2.50	2.75	3.00 +notes
American National Ins. Co.	Palladium MYG Annuity 8 High-Band [MVA]	8	2.65	2.65	2.65	2.50
American National Ins. Co.	Palladium MYG Annuity 8 Low-Band [MVA]	8	2.55	2.55	2.55	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	8	2.35	2.35	2.35	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 8 Low-Band [MVA]	8	2.20	2.20	2.20	2.50
7 Year Interest Rate Guarantees
North American Company	Guarantee Choice 7 High-Band [MVA]	7	2.90	2.90	2.90	2.50 +notes
North American Company	Guarantee Choice 7 Low-Band [MVA]	7	2.70	2.70	2.70	2.50 +notes
Amer. Equity Investment Life Ins. Co.	Guarantee 7 (SPDA-MYGA) MVA [MVA]	7	2.70	2.70	2.70	3.00
Genworth Life and Annuity Ins. Co	SecureLiving Rate Saver 7 High-Band [MVA]	7	2.55	2.55	2.55	2.75 +notes
Fidelity & Guaranty Life	FG Guarantee-Plus 7 [MVA]	7	3.40	2.40	2.54	3.25
Fidelity & Guaranty Life	FG Guarantee-Platinum 7 [MVA]	7	2.50	2.50	2.50	3.25
Genworth Life and Annuity Ins. Co	SecureLiving Rate Saver 7 Mid-Band [MVA]	7	2.45	2.45	2.45	2.75 +notes
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 7 High-Band [MVA]	7	2.30	2.30	2.30	2.50
American National Ins. Co.	Palladium MYG Annuity 7 High-Band [MVA]	7	3.15	2.15	2.29	2.50
Genworth Life and Annuity Ins. Co	SecureLiving Rate Saver 7 Low-Band [MVA]	7	2.25	2.25	2.25	2.75 +notes
The Standard	Focused Growth Annuity 7 High-Band [MVA, LOAN]	7	2.25	2.25	2.25	3.00
Great Amer. Life Ins. Co.	SecureGain 7 High-Band [MVA, STEP RATE]	7	2.35	Step Rate	2.24	4.00
Amer. Equity Investment Life Ins. Co.	Guarantee 7 (SPDA-MYGA)	7	2.20	2.20	2.20	2.50
American National Ins. Co.	Palladium MYG Annuity 7 Low-Band [MVA]	7	3.05	2.05	2.19	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 7 Low-Band [MVA]	7	2.15	2.15	2.15	2.50
The Standard	Focused Growth Annuity 7 Low-Band [MVA, LOAN]	7	2.15	2.15	2.15	3.00
Great Amer. Life Ins. Co.	SecureGain 7 Low-Band [MVA, STEP RATE]	7	2.25	Step Rate	2.14	4.00
Amer. General Life Ins. Co.	AG HorizonSecure 7	7	2.10	2.10	2.10	4.00 +notes
Amer. General Life Ins. Co.	AG HorizonSelect 7 [MVA]	7	2.10	2.10	2.10	4.00 +notes
Great Amer. Life Ins. Co.	SecureGain 7 No MVA High-Band [MVA, STEP RATE]	7	2.20	Step Rate	2.09	4.00
Great Amer. Life Ins. Co.	SecureGain 7 No MVA Low-Band [MVA, STEP RATE]	7	2.10	Step Rate	1.99	4.00
Symetra Life Insurance Co.	Symetra Custom 7 High-Band	7	2.40	1.90	1.97	4.00
Symetra Life Insurance Co.	Symetra Custom 7 Mid-Band	7	2.35	1.85	1.92	4.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 High-Band	7	2.25	1.75	1.82
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 Mid-Band	7	2.20	1.70	1.77
ING Annuity and Asset Sales	Guarantee Choice 7 High-Band [MVA]	7	2.50	1.50	1.64	2.50 +notes
Symetra Life Insurance Co.	Symetra Custom 7 Mid-Band	7	2.00	1.50	1.57	4.00
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) Mid-Band	7	2.00	1.50	1.57	4.00
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) High-Band	7	2.00	1.50	1.57	4.00
Lincoln Financial Group	Lincoln Long-Term Care Fixed Annuity Low-Band	7	1.55	1.55	1.55
Lincoln Financial Group	Lincoln Long-Term Care Fixed Annuity High-Band	7	1.55	1.55	1.55
ING Annuity and Asset Sales	Guarantee Choice 7 Low-Band [MVA]	7	1.50	1.50	1.50	2.50 +notes
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) High-Band	7	1.90	1.40	1.47
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) Mid-Band	7	1.85	1.35	1.42
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 Mid-Band	7	1.85	1.35	1.42
Symetra Life Insurance Co.	Symetra Custom 7 Low-Band	7	1.80	1.30	1.37	4.00
Phoenix Life Insurance Co.	Phoenix Select Plus® 7-year [MVA]	7	1.30	1.30	1.30	3.50
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 Low-Band	7	1.65	1.15	1.22
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) Mid-Band	7	1.65	1.15	1.22	4.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) Low-Band	7	1.50	1.00	1.07
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 7 (ROP) Mid-Band	7	1.50	1.00	1.07
Symetra Life Insurance Co.	Symetra Custom 7 (ROP) Low-Band	7	1.50	1.00	1.07	4.00
6 Year Interest Rate Guarantees
EquiTrust Life Ins. Co.	Certainty Select 6 [MVA]	6	4.50	2.50	2.83	3.00 +notes
North American Company	Guarantee Choice 6 High-Band [MVA]	6	2.60	2.60	2.60	2.50 +notes
North American Company	Guarantee Choice 6 Low-Band [MVA]	6	2.35	2.35	2.35	2.50 +notes
The Standard	Focused Growth Annuity 6 High-Band [MVA, LOAN]	6	2.30	2.30	2.30	2.00 +notes
The Standard	Focused Growth Annuity 6 Low-Band [MVA, LOAN]	6	2.20	2.20	2.20	2.00 +notes
Amer. General Life Ins. Co.	AG Horizon Achiever [MVA]	6	2.05	2.05	2.05	3.00 +notes
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 6 High-Band [MVA]	6	1.90	1.90	1.90	2.25
Presidential Life	Secure 6	6	1.90	1.90	1.90	2.00
American National Ins. Co.	Palladium MYG Annuity 6 High-Band [MVA]	6	1.80	1.80	1.80	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 6 Low-Band [MVA]	6	1.75	1.75	1.75	2.25
American National Ins. Co.	Palladium MYG Annuity 6 Low-Band [MVA]	6	1.70	1.70	1.70	2.50
The Standard	Secured Rate Annuity 6 High-Band	6	1.30	1.30	1.30	4.00 +notes
The Standard	Secured Rate Annuity 6 Low-Band	6	1.20	1.20	1.20	4.00 +notes
5 Year Interest Rate Guarantees
EquiTrust Life Ins. Co.	Certainty Select 5 [MVA]	5	2.75	2.75	2.75	3.00 +notes
Amer. Equity Investment Life Ins. Co.	Guarantee 5 (SPDA-MYGA) MVA [MVA]	5	2.60	2.60	2.60	3.00
Fidelity & Guaranty Life	FG Guarantee-Plus 5 [MVA]	5	3.15	2.15	2.35	2.50
Fidelity & Guaranty Life	FG Guarantee-Platinum 5 High-Band [MVA]	5	2.25	2.25	2.25	2.50
North American Company	Guarantee Choice 5 High-Band [MVA]	5	2.25	2.25	2.25	2.50 +notes
Genworth Life and Annuity Ins. Co	SecureLiving Rate Saver 5 High-Band [MVA]	5	2.15	2.15	2.15	2.00 +notes
Amer. Equity Investment Life Ins. Co.	Guarantee 5 (SPDA-MYGA)	5	2.10	2.10	2.10	2.50
Fidelity & Guaranty Life	FG Guarantee-Platinum 5 [MVA]	5	2.10	2.10	2.10	2.50
Amer. Equity Investment Life Ins. Co.	Guarantee 5 (SPDA-MYGA) MVA - WA [MVA]	5	2.10	2.10	2.10	3.00
Genworth Life and Annuity Ins. Co	SecureLiving Rate Saver 5 Mid-Band [MVA]	5	2.05	2.05	2.05	2.00 +notes
Presidential Life	Secure 5	5	2.00	2.00	2.00	1.50
North American Company	Guarantee Choice 5 Low-Band [MVA]	5	2.00	2.00	2.00	2.50 +notes
Amer. General Life Ins. Co.	AG HorizonSelect 5 (CA) [MVA]	5	2.00	2.00	2.00	4.00 +notes
The Standard	Focused Growth Annuity 5 High-Band [MVA, LOAN]	5	1.85	1.85	1.85	3.00
Genworth Life and Annuity Ins. Co	SecureLiving Rate Saver 5 Low-Band [MVA]	5	1.85	1.85	1.85	2.00 +notes
Great Amer. Life Ins. Co.	SecureGain 5 High-Band [MVA, STEP RATE]	5	1.80	Step Rate	1.80	2.75
The Standard	Focused Growth Annuity 5 Low-Band [MVA, LOAN]	5	1.75	1.75	1.75	3.00
Great Amer. Life Ins. Co.	SecureGain 5 Low-Band [MVA, STEP RATE]	5	1.70	Step Rate	1.70	2.75
Symetra Life Insurance Co.	Symetra Custom 5 High-Band	5	2.00	1.50	1.60	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 5 High-Band [MVA]	5	1.60	1.60	1.60	2.00
Symetra Life Insurance Co.	Symetra Custom 5 Mid-Band	5	1.95	1.45	1.55	2.50
Great Amer. Life Ins. Co.	American Freedom Stars and Stripes 5 High-Band [MVA, STEP RATE]	5	0.25	Step Rate	1.55	3.00 +notes
Amer. General Life Ins. Co.	AG HorizonSelect 5 [MVA]	5	1.55	1.55	1.55	4.00 +notes
Great Amer. Life Ins. Co.	SecureGain 5 No MVA High-Band [MVA, STEP RATE]	5	1.55	Step Rate	1.55	2.75
Amer. General Life Ins. Co.	AG HorizonSecure 5	5	1.50	1.50	1.50	4.00 +notes
Great Amer. Life Ins. Co.	American Freedom Stars and Stripes 5 Low-Band [MVA, STEP RATE]	5	0.25	Step Rate	1.50	3.00 +notes
Allianz Life Ins. Co. of North America	Dominator Plus 5 Low-Band [MVA, LOAN]	5	1.50	1.50	1.50	3.00
Allianz Life Ins. Co. of North America	Dominator Plus 5 High-Band [MVA, LOAN]	5	1.50	1.50	1.50	3.00
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 5 Low-Band [MVA]	5	1.45	1.45	1.45	2.00
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 High-Band	5	1.85	1.35	1.45
Great Amer. Life Ins. Co.	SecureGain 5 No MVA Low-Band [MVA, STEP RATE]	5	1.45	Step Rate	1.45	2.75
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 Mid-Band	5	1.80	1.30	1.40
Symetra Life Insurance Co.	Symetra Custom 5 Mid-Band	5	1.70	1.20	1.30	2.50
The Standard	Secured Rate Annuity 5 High-Band	5	1.30	1.30	1.30	4.00
American National Ins. Co.	Palladium MYG Annuity 5 High-Band [MVA]	5	2.10	1.10	1.30	2.00
American National Ins. Co.	Palladium MYG Annuity 5 Low-Band [MVA]	5	2.00	1.00	1.20	2.00
The Standard	Secured Rate Annuity 5 Low-Band	5	1.20	1.20	1.20	4.00
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) High-Band	5	1.60	1.10	1.20	2.50
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) Mid-Band	5	1.55	1.05	1.15	2.50
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 Mid-Band	5	1.55	1.05	1.15
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) Low-Band	5	1.50	1.00	1.10
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) Mid-Band	5	1.50	1.00	1.10
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) Mid-Band	5	1.50	1.00	1.10
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 (ROP) High-Band	5	1.50	1.00	1.10
First Symetra Nat’l Life Ins Co of NY	First Symetra Custom 5 Low-Band	5	1.50	1.00	1.10
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) Low-Band	5	1.50	1.00	1.10	2.50
Symetra Life Insurance Co.	Symetra Custom 5 (ROP) Mid-Band	5	1.50	1.00	1.10	2.50
Symetra Life Insurance Co.	Symetra Custom 5 Low-Band	5	1.50	1.00	1.10	2.50
Phoenix Life Insurance Co.	Phoenix Select Plus® 5-year [MVA]	5	1.00	1.00	1.00	3.50
4 Year Interest Rate Guarantees
North American Company	Guarantee Choice 4 High-Band [MVA]	4	1.80	1.80	1.80	2.50 +notes
Presidential Life	Secure 4	4	1.55	1.55	1.55	1.00
North American Company	Guarantee Choice 4 Low-Band [MVA]	4	1.50	1.50	1.50	2.50 +notes
Phoenix Life Insurance Co.	Phoenix Select Plus® 4-year [MVA]	4	1.00	1.00	1.00	1.75
3 Year Interest Rate Guarantees
Fidelity & Guaranty Life	FG Guarantee-Plus 3 [MVA]	3	2.30	1.30	1.63	1.50
Fidelity & Guaranty Life	FG Guarantee-Platinum 3 [MVA]	3	1.60	1.60	1.60	1.50
North American Company	Guarantee Choice 3 High-Band [MVA]	3	1.20	1.20	1.20	2.50 +notes
North American Company	Guarantee Choice 3 Low-Band [MVA]	3	1.00	1.00	1.00	2.50 +notes

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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