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Fixed Indexed Annuities

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Just ask for Greg ext. 204
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or Tip ext. 205
 
 
 
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Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Featured Products
Surrender Charges Last 16 Years

9% bonus, & 7% compound rollup.
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)
16 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 4 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
1 Year S&P 500 Monthly Average Participation Rate 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate Traditional Fixed Value @ 1.75%
1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap
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 yrs (NQ) 9.00 1.00% 87.50% $1,096 05/01/12 1 Rider
GLWB
Death
 		0-79: 8.00
80-85: 4.00
1-Year S&P 500 Monthly Average with A Cap Fixed Account @ 1.90%
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year S&P 500 Monthly Point-to-Point Cap
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year Fixed @ 3.10% 1-Year Annual Point-to-Point S&P 500
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year S&P 400 Annual Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year Fixed @ 2.75% 1-Year Annual Point-to-Point S&P 500
1 -Year NASDAQ Monthly Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
9.35% annual cap on $250k+ premium--w/ 5% liquidity.
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 5.50+
1-Year Russell 2000 Annual Point-to-Point
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
13 yrs 80 (NQ)   1.00% 87.50% $ 996 03/23/12 2 Riders
GLWB
Qualified
0-70: 10.00+
71-75: 8.00+
76-80: 7.00+
Non-Qualified
0-75: 10.00+
76-80: 8.50+
Option D: Monthly Cap Annual Reset Option B: Fixed Account @ 2.80%
Option A: Monthly Averaging Annual Reset
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 Ins. Co. of North America
Endurance Plus
10 yrs 80   1.50% 90.00% $1,044 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 3.50+
1 Year Fixed Interest Account @ 1.65% 1 Year Blended Point-to-Point Cap
1 Year S&P 500 SELECT Point-to-Point Cap 1 Year S&P 500 Point-to-Point
1 Year FTSE 100 Monthly Sum Cap 1 Year Blended Monthly Average
1-Year Nasdaq 100 Monthly Sum Cap 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year FTSE 100 Point-to-Point Cap 1-Year S&P 500 Monthly Sum Cap
1 Year Nasdaq 100 Point-to-Point
LIAV can be taken as death benefit over 5 years.
Allianz Life Ins. Co. of North America
MasterDex 5 Plus Annuity
10 yrs 80 3.00
to 5.00 		2.00% 87.50% $1,120 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.00+
1 Year FTSE 100 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Sum Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Sum Cap 1 Year Blended Point-to-Point Cap
1 Year Fixed Interest Account @ 1.50% 1 Year Blended Monthly Average Spread
1 Year Nasdaq 100 Point-to-Point Cap

8% Simple-interest rollup on income rider. Cost 60 bps.
Allianz Life Ins. Co. of North America
MasterDex X Annuity
10 yrs 80 6.00 1.95-2.05% 87.50% $1,136 05/01/12 5 Riders
GLWB
 		0-75: 7.00+
76-80: 5.00+
1 Year S&P 500 Monthly Cap 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year S&P 500 Point-to-Point Cap 1 Year Fixed Interest Account @ 1.35%
1 Year Blended Point-to-Point Cap 1 Year Euro STOXX 50 Monthly Cap
1 Year Euro STOXX 50 Point-to-Point Cap 1 Year S&P 500 SELECT Annual Point-to-Point Cap
1 Year Blended Monthly Average Spread 1 Year Nasdaq 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap
Only EIA w/ Return Of Premium, bonus, and Income Rider. Non-Core Carrier.
EquiTrust Life Ins. Co.
Market Ten Bonus Index
10 yrs 80 6.00 1.00% 100% $1,171 10/24/11 1 Rider
GLWB
 		0-80: 6.00+
2-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Daily Average Cap
1-Year S&P 500 Point-to-Point Cap Index Account 1-Year S&P 500 Monthly Cap Index Account
1-Year S&P 500 Monthly Average Participation Index Account 1-Year Interest Account @ 1.15%
Fidelity & Guaranty Life
FG Index-Accelerator 10
Product has been withdrawn from sale effective 05/18/2012
North American Company
North American Ten
10 yrs 79 6.00 1.00% 100% $1,171 02/24/12 0-75: 6.50+
76-79: 4.88+
1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point 1-Year Fixed Account @ 1.00%
1-Year S&P 400 Monthly Average 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 500 Monthly Average 1-Year Nasdaq 100 Monthly Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 Monthly Average
1-Year Nasdaq 100 Annual Point-to-Point 1-Year Dow Jones Monthly Average
Surrender Charges Last 9 Years
NO CAP on global strategy! Credited 41.14% on 3/11/2010.
National Western Life
NWL Global Lookback
9 yrs 80 (NQ)   1.00% 87.50% $ 957 03/23/12 2 Riders
GLWB
Qualified
0-70: 6.50+
71-75: 4.00+
76-80: 2.00+
Non-Qualified
0-75: 6.50+
76-80: 4.50+
Option B: Fixed Interest Rate @ 2.10% Option D: S&P 500 Monthly Cap
Option J: S&P 500 Point-to-Point w Cap Option K: Global Lookback
Option A: S&P 500 Monthly Average

Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-05) DE
17 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 4 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
1-Year S&P 500 Point-to-Point Cap 1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1-Year Dow Jones Monthly Average Cap
Traditional Fixed Value @ 2.25% 1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap
Surrender Charges Last 15 Years
Life of the Southwest
SecurePlus Accumulator 5
15 yrs 80 5.00 2.45% 87.50% $1,321 03/29/12 1 Rider
GLWB
Average Index Account Ending Index Account
Declared Interest Account @ 2.45%
Life of the Southwest
SecurePlus Platinum (after 3/21/06)
15 yrs 80   1.00% 87.50% $1,016 03/22/12 2 Riders
GLWB
Call
Average Index Account Ending Index Account
Declared Interest Account @ 2.25%
National Western Life
NWL Ultra Future
15 yrs 80 (NQ) 4.75
to 10.00 		1.00% 87.50% $1,117 03/23/12 1 Rider
GLWB
Qualified
0-70: 5.00+
71-75: 1.50+
76-80: 0.25+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option B: Fixed Account @ 2.30% Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 75 10.00 2.00% 87.50% $1,270 10/24/11 1 Rider
GLWB
 		0-75: 8.50+
2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Daily Average Cap
1-Year Fixed Interest Account @ 1.50% 1-Year S&P 500 Monthly Cap
1 Year S&P 500 Monthly Average Participation 1-Year S&P 500 Point-to-Point Cap
EquiTrust Life Ins. Co.
MarketTwelve Bonus
14 yrs 75 6.00 2.00% 87.50% $1,224 10/24/11 1 Rider
GLWB
 		0-75: 9.00
1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Average Participation
2-Year Monthly Average Cap 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Daily Average Cap 1-Year Fixed Account @ 1.15%
Fidelity & Guaranty Life
FG AccumulatorPlus 14
14 yrs (NQ)   1.00% 87.50% $1,006 05/01/12 1 Rider
GLWB
 		0-80: 7.50
1 Year S&P 500 Monthly Average with Cap 1-Year Fixed Account @ 2.75%
1 Year Index Gain Option with Declared Rate 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Point-to-Point with Cap
Fidelity & Guaranty Life
Prosperity Elite 14
14 yrs (NQ)   1.00% 87.50% $1,006 05/01/12 0-79: 8.00
80-85: 4.00
1-Year S&P 500 Monthly Point-to-Point with a Cap 1-Year Performance Triggered Account
2-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Average with A Cap
1-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 1.90%
3-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 14 Enhanced
14 yrs (NQ) 6.00 1.00% 87.50% $1,066 05/01/12 1 Rider
Death
 		0-79: 8.00
80-85: 4.00
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 1.90% 1-Year S&P 500 Monthly Average with A Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap
Midland National Life
Capstone 14
14 yrs 75 10.00 1.00% 87.50% $1,106 02/24/12 3 Riders
GLWB
 		0-75: 8.00+
1-Year Dow Jones Annual Daily Average 1-Year Russell 2000 Annual Daily Average
1-Year S&P 500 Annual Point-to-Point 1-Year NASDAQ-100 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 400 Annual Daily Average
1-Year S&P 500 Annual Daily Average 1-Year NASDAQ-100 Monthly Point-to-Point
1-Year Optimal Index Strategy Cap 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year Fixed Account @ 1.50% 1-Year Dow Jones Annual Point-to-Point
Midland National Life
Innovator Choice 14
14 yrs 75 10.00 1.00% 87.50% $1,106 02/24/12 3 Riders
GLWB
 		0-75: 8.00+
1-Year S&P 500 Annual Point-to-Point IM & Cap 1-Year Russell 2000 Annual Daily Average IM
1-Year S&P 500 Monthly Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point
1-Year Dow Jones EuroStoxx 50 Point-to-Point IM & Cap 1-Year S&P 400 Annual Daily Average IM
1-Year Dow Jones Annual Daily Average IM 1-Year Dow Jones Annual Point-to-Point IM & Cap
1-Year Optimal Index Strategy IM & Cap 1-Year Nasdaq-100 Annual Point-to-Point IM & Cap
1-Year S&P 500 Annual Daily Average IM 1-Year S&P 400 Annual Point-to-Point IM & Cap
1-Year Fixed @ 1.50% 1-Year Russell 2000 Annual Point-to-Point IM & Cap
Midland National Life
MNL Paragon Plus 14
14 yrs 75 10.00 1.00% 87.50% $1,106 02/24/12 3 Riders
GLWB
 		0-75: 8.00+
1-Year S&P 400 Annual Point-to-Point PR 1-Year Nasdaq 100 Monthly Point-to-Point
1-Year DJIA Annual Point-to-Point PR 1-Year DJ EuroStoxx 50 Annual Point-to-Point PR
1-Year S&P 500 Annual Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point
1-Year Russell 2000 Monthly Average PR 1-Year Russell 2000 Annual Point-to-Point PR
1-Year Fixed @ 1.50% 1-Year S&P 500 Monthly Average PR
1-Year Nasdaq 100 Annual Point-to-Point PR 1-Year DJIA Monthly Average PR
1-Year S&P 400 Monthly Average PR
Midland National Life
MNL RetireVantageSM 14
14 yrs (NQ) 5.00 1.00% 87.50% $1,056 02/24/12 3 Riders
GLWB
 		0-75: 9.00
1-Year Fiaxed Account @ 2.00% 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 400 Annual Daily Average IM 1-Year S&P 500 Annual Daily Average IM
1-Year Inverse Performance Triggered S&P 500 1-Year S&P 400 Monthly Average PR
1-Year S&P 500 Monthly Average PR 1-Year Nasdaq 100 Annual Point-to-Point
1-Year London Gold Market Fixing Price 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Dow Jones Monthly Average PR 1-Year Nasdaq 100 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average IM
Midland National Life
Prosperity Choice 14
14 yrs 75 10.00 1.00% 87.50% $1,106 02/24/12 3 Riders
GLWB
 		0-76: 8.00+
1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point PR & Cap 1-Year S&P 400 Annual Daily Average PR
1-Year Dow Jones Annual Daily Average PR 1-Year Russell 2000 Annual Point-to-Point PR & Cap
1-Year S&P 500 Annual Daily Average PR 1-Year Nasdaq 100 Monthly Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year Russell 2000 Annual Daily Average PR
1-Year S&P 500 Annual Point-to-Point PR & Cap 1-Year Nasdaq-100 Annual Point-to-Point PR & Cap
1-Year Dow Jones Annual Point-to-Point PR & Cap 1-Year Optimal Index Strategy PR & Cap
1-Year Fixed @ 1.50% 1-Year S&P 400 Annual Point-to-Point PR & Cap
Midland National Life
Select Series (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Midland National Life
Select Series (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year S&P 400 Annual Point-to-Point 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Fixed @ 3.45%
Midland National Life
Select Series (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year Fixed @ 3.10%
Midland National Life
Select Series (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 0-75: 6.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Midland National Life
Select Series 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year Nasdaq-100 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Midland National Life
Select Series 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year Fixed @ 3.05%
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year Fixed @ 2.70%
Midland National Life
Select Series 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year S&P 400 Annual Point-to-Point
Midland National Life
Select Series 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Midland National Life
Select Series 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
1-Year S&P 500 Annual Point-to-Point
National Western Life
NWL Ultra Benefit
14 yrs 85 4.00
to 5.00 		1.00% 87.50% $1,056 03/23/12 2 Riders
GLWB
Qualified
0-70: 6.00+
71-75: 3.50+
76-81: 1.50+
Non-Qualified
0-75: 6.00+
76-80: 4.00+
81-85: 1.50+
Option D: Monthly Cap Annual Reset Option B: Fixed Interest Rate @ 1.40%
Option A: Monthly Average Annual Reset
North American Company
Charter 14
14 yrs (NQ) 10.00 1.00% 87.50% $1,106 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Fixed @ 1.25%
1-Year S&P 500 Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Daily Average
1-Year Hindsight Index Strategy 1-Year S&P 500 Annual Daily Average
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 400 Annual Daily Average
North American Company
Charter 14 (TX)
14 yrs 75   1.00% 87.50% $1,006 02/24/12 3 Riders
GLWB
1-Year S&P 400 Annual Daily Average 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year S&P 500 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Fixed @ 2.00% 1-Year Hindsight Index Strategy
1-Year Dow Jones Annual Daily Average 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year Fixed @ 2.75% 1-Year S&P 400 Annual Point-to-Point
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 2.35%
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
North American Prizm Plus 14
14 yrs 75 10.00 1.00% 87.50% $1,106 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
1-Year S&P 400 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year DJIA Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year DJIA Monthly Average 1-Year S&P 400 Monthly Average
1-Year Fixed @ 1.25% 1-Year Russell 2000 Monthly Averaging
1-Year S&P 500 Point-to-Point 1-Year Nasdaq -100 Monthly Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year S&P 500 Monthly Average
1-Year Russell 2000 Point-to-Point
North American Company
Precision 14
14 yrs 75 10.00 1.00% 87.50% $1,106 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
1-Year Dow Jones Annual Daily Average 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Daily Average
1-Year S&P 400 Annual Daily Average 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Hindsight Index 1-Year S&P 500 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year Fixed @ 1.25% 1-Year Dow Jones Annual Point-to-Point
Surrender Charges Last 12 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 5.00 1.50% 90.00% $1,130 05/07/12 1 Rider
GLWB
 		0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.15%
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12 (CA)
12 yrs 85 5.00 1.50% 90.00% $1,130 05/07/12 1 Rider
GLWB
 		0-75: 8.00
76-80: 4.00
81-85: 2.50
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.15%
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 12
12 yrs 76   1.00% 87.50% $ 986 04/06/12 2 Riders
GLWB
Death
 		0-76: 7.00
Option Index Declared Declared
Rate		 Fee
Allocation Option B 45.00% 55.00% 1.00% 1.95
Allocation Option C 35.00% 65.00% 1.00% 0.95
Allocation Option A 55.00% 45.00% 1.00% 2.95
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 12 - 6% Bonus
12 yrs 76 6.00 1.00% 87.50% $1,045 04/06/12 2 Riders
GLWB
Death
 		0-76: 7.00
Option Index Declared Declared
Rate		 Fee
Allocation Option B 45.00% 55.00% 1.00% 1.95
Allocation Option C 35.00% 65.00% 1.00% 0.95
Allocation Option A 55.00% 45.00% 1.00% 2.95
Annexus (Aviva Life & Annuity)
BPASelect 12
12 yrs 76   2.25% 100% $1,306 04/06/12 0-75: 7.50
76-UP: 4.50
Option Index Declared Declared
Rate		 Fee
Allocation Option B 38.00% 62.00% 1.50% 1.60
Allocation Option A 48.00% 52.00% 1.50% 2.65
Allocation Option D 18.00% 82.00% 1.50% 0.00
Allocation Option C 28.00% 72.00% 1.50% 0.95
Annexus (Aviva Life & Annuity)
BPASelect 12 – 6% Bonus
12 yrs 76 6.00 2.25% 100% $1,384 04/06/12 0-75: 7.50
76-UP: 4.50
Option Index Declared Declared
Rate		 Fee
Allocation Option C 28.00% 72.00% 1.50% 0.95
Allocation Option A 48.00% 52.00% 1.50% 2.65
Allocation Option B 38.00% 62.00% 1.50% 1.60
Allocation Option D 18.00% 82.00% 1.50% 0.00
F&G Life (Legacy)
AmeriMark Freedom
12 yrs 85   1.00% 87.50% $ 986 05/01/12 1 Rider
GLWB
 		0-80: 8.00
81-85: 4.00
Monthly Cap Strategy 2-Year Monthly Average w/ Cap
Annual Point-to-Point 3 Yr Highwater Declared Rate on Gain Strategy
Fixed @ 2.00% Annual Point-to-Point
3 Year Monthly Average w/ Spread
F&G Life (Legacy)
AmeriMark Freedom SE
12 yrs 85 4.00 1.00% 87.50% $1,025 05/01/12 1 Rider
GLWB
 		0-80: 7.00
81-85: 3.50
Annual Point-to-Point Declared Rate on Gain Strategy
Fixed @ 1.75% 2-Year Monthly Average w/ Cap
Monthly Cap Strategy Annual Point-to-Point 3 Yr Highwater
3 Year Monthly Average w/ Spread
Life of the Southwest
SecurePlus Elite
12 yrs   1.00% 87.50% $ 986 03/22/12 1 Rider
GLWB
Call
Average Index Account Ending Index Account
Declared Interest Account @ 1.80%
Life of the Southwest
SecurePlus Elite 5 403(b) & 457
12 yrs 0   1.95% 87.50% $1,103 05/15/12 1 Rider
GLWB
Call
1 Year Russell 2000 Annual Point-to-Point 1 Year S&P 500 Annual Point-to-Point
Declared Interest Account @ 1.95%
Midland National Life
MNL EndeavorSM 12
12 yrs (NQ)   1.00% 87.50% $ 986 02/24/12 3 Riders
GLWB
 		0-75: 7.00+
1-Year DJIA Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year Fixed Account @ 2.50% 1-Year S&P 500 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year DJ EuroSTOXX 50 Annual Point-to-Point
1-Year NASDAQ 100 Monthly Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year NASDAQ 100 Annual Point-to-Point 1-Year S&P 500 Inverse Performance Triggered
1-Year Hang Seng Annual Point-to-Point
Midland National Life
MNL EndeavorSM 12 Plus
12 yrs (NQ) 8.00 1.00% 87.50% $1,065 02/24/12 3 Riders
GLWB
 		0-75: 7.00+
1-Year S&P 500 Monthly Point-to-Point 1-Year NASDAQ 100 Monthly Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year DJ EuroSTOXX 50 Annual Point-to-Point
1-Year DJIA Annual Point-to-Point 1-Year Fixed Account @ 1.75%
1-Year S&P 500 Inverse Performance Triggered 1-Year S&P 500 Annual Point-to-Point
1-Year NASDAQ 100 Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year Hang Seng Annual Point-to-Point
North American Company
NA Performance Choice 12
12 yrs (NQ)   1.00% 87.50% $ 986 02/24/12 3 Riders
GLWB
 		0-75: 6.50+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point Cap Inverse Performance Trigger
1-Year Dow Jones Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Nasdaq 100 Point-to-Point
1-Year Hang Seng Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 2.20%
North American Company
NA Performance Choice 12 Plus
12 yrs (NQ) 8.00 1.00% 87.50% $1,065 02/24/12 3 Riders
GLWB
 		0-75: 6.50+
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year Dow Jones Point-to-Point
Inverse Performance Trigger 1-Year Russell 2000 Point-to-Point
1-Year S&P 400 Point-to-Point 1-Year Hang Seng Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Fixed @ 1.45%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus
12 yrs (NQ) 9.00 1.00% 87.50% $1,075 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-86: 3.00+
Rainbow Point to Point Indexed Account - 1 year Global Monthly Point to Point Indexed Account - 1 year S&P 500
Performance Trigger Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Domestic
Fixed Account @ 0.85% Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Monthly Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Rainbow Point to Point Indexed Account - 1 year Domestic
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Rainbow Point to Point Indexed Account - 1 year Domestic
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point to Point Indexed Account - 1 year S&P 500 Monthly Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Performance Trigger Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Global
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Rainbow Point to Point Indexed Account - 1 year Global
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point to Point Indexed Account - 1 year S&P 500 Fixed Account @ 2.50%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Performance Trigger Indexed Account - 1 year S&P 500 Fixed Account @ 2.50%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 6%
12 yrs (NQ) 6.00 1.00% 87.50% $1,045 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Fixed Account @ 0.75% Performance Trigger Indexed Account - 1 year S&P 500
Rainbow Point to Point Indexed Account - 1 year Global Monthly Point to Point Indexed Account - 1 year S&P 500
Point to Point Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Domestic
Surrender Charges Last 10 Years
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-79: 5.50
Fixed Strategy @ 1.45%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -High
10 yrs 78 3.00 1.00% 87.50% $ 996 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
Fixed Strategy @ 1.45%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-79: 5.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -Low
10 yrs 78 3.00 1.00% 87.50% $ 996 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
Fixed Strategy @ 1.00%
American National Ins. Co.
Value Lock 10
10 yrs 80   1.00-1.75% 90.00% $1,071 05/01/12 0-75: 10.00
76-80: 8.00
S&P 500 10 Year Point-to-Point
Allianz Life Ins. Co. of North America
Allianz 360 Annuity
10 yrs 80   1.00-1.35% 87.50% $1,001 05/01/12 2 Riders
GLWB
 		0-75: 7.00
76-80: 5.00
1-Year Eurostoxx 50 Annual Point-to-Point 1-Year Blended Monthly Average Spread
1-Year Nasdaq 100 Annual Point-to-Poiont 1-Year S&P 500 Monthly Sum Cap
1-Year Blended Annual Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point
1-Year Nasdaq 100 Monthly Sum Cap 1-Year Eurostoxx 50 Monthly Sum Cap
1-Year Fixed Interest Account @ 1.55%
Allianz Life Ins. Co. of North America
Allianz 365i Annuity
10 yrs (NQ) 6.00 1.00-1.95% 87.50% $1,125 05/01/12 2 Riders
GLWB
 		0-75: 7.00+
76-80: 5.00+
1 Year Nasdaq 100 Point-to-Point Cap 1-Year Nasdaq 100 Monthly Sum Cap
1 Year EuroSTOXX 50 Point-to-Point Cap 1 Year Blended Monthly Average Spread
1 Year S&P 500 SELECT Monthly Sum Cap 1 Year S&P 500 SELECT Annual Point-to-Point Cap
1-Year S&P 500 Monthly Sum Cap 1 Year Blended Point-to-Point Cap
1 Year EuroSTOXX 50 Monthly Sum Cap 1 Year Fixed Interest Account @ 1.50%
1 Year S&P 500 Point-to-Point Cap
Allianz Life Ins. Co. of North America
MasterDex 10 Plus Annuity
10 yrs 80 10.00 1.00% 87.50% $1,063 05/01/12 0-75: 7.00+
76-80: 5.00+
1 Year Blended Monthly Average Spread 1 Year S&P 500 Monthly Sum Cap
Fixed Interest Account @ 2.05% 1 Year Nasdaq 100 Point-to-Point Cap
1 Year FTSE 100 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Sum Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
1 Year Blended Point-to-Point Cap
Allianz Life Ins. Co. of North America
MasterDex 3 Plus
10 yrs (NQ) 3.00 2.00% 87.50% $1,099 05/01/12 65-69: 7.00
70-80: 5.00
Nasdaq 100 Monthly Sum Blended Index Annual Point-to-Point
1-Year Fixed Interest Option @ 1.50% Nasdaq 100 Annual Point-to-Point
FTSE 100 Monthly Sum 1-Year S&P 500 Monthly Sum
Blended Index Monthly Averaging 1-Year S&P 500 Annual Point-to-Point
FTSE 100 Annual Point-to-Point
Amer. Equity Investment Life Ins. Co.
Advantage Gold
10 yrs (NQ) 5.00 1.50-3.00% 84.00% 10/08/11 4 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Annual Point-to-Point Participation Rate
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average with Cap
Traditional Fixed Value @ 1.65% 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Point-to-Point
Amer. Equity Investment Life Ins. Co.
Benefit Gold (ICC10 IDX 110*)
10 yrs (NQ) 5.00 1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-75: 5.25+
76-80: 3.94+
1 Year S&P 500 Monthly Average with Cap 10 Year U.S. Treasury Bond Value with Cap
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Point-to-Point Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (02-09)
10 yrs (NQ) 5.00
to 8.00 		1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-78: 6.00+
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.60%
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Amer. Equity Investment Life Ins. Co.
Retirement Gold (INDEX-4-10-FL)
10 yrs (NQ) 8.00 1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-64: 6.00+
65-75: 5.25+
76-78: 4.50+
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Point-to-Point
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Point-to-Point Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (RG-FIA-09)
10 yrs (NQ) 6.00 1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-78: 5.25+
1 Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.60%
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Annual Point-to-Point Participation Rate
Amer. Equity Investment Life Ins. Co.
Traditions Gold (ICC11 IDX4)
10 yrs (NQ)   1.50% 87.50% 03/01/12 4 Riders
GLWB
 		0-75: 4.50+
76-UP: 3.40+
S&P 500 Annual Point-to-Point with Participation S&P 500 Monthly Average with Participation
S&P 500 Annual Point-to-Point with Cap Traditional Fixed Strategy @ 1.60%
S&P 500 Monthly Point-to-Point 10-Year U.S. Treasury Bond
S&P 500 Monthly Average with Cap
Amer. Equity Investment Life Ins. Co.
Traditions Gold Plus (ICC11 IDX3)
10 yrs (NQ) 8.00 1.50% 87.50% 03/01/12 4 Riders
GLWB
 		0-75: 4.50+
76-UP: 3.40+
10-Year U.S. Treasury Bond S&P 500 Annual Point-to-Point with Participation
S&P 500 Monthly Average with Cap S&P 500 Annual Point-to-Point with Cap
Traditional Fixed Strategy @ 1.60% S&P 500 Monthly Average with Participation
S&P 500 Monthly Point-to-Point
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity
10 yrs 80 5.00 1.50% 100% $1,219 05/07/12 1 Rider
GLWB
 		0-75: 5.25
76-80: 2.75
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 1.40%
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity (CA)
10 yrs 80 5.00 2.00% 100% $1,280 05/07/12 1 Rider
GLWB
 		0-75: 5.25
76-80: 2.75
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 2.00%
Amer. General Life Ins. Co.
AG Vision Maximizer
10 yrs 75 5.00 1.50% 90.00% $1,097 05/07/12 1 Rider
GLWB
 		0-75: 8.00+
Annual Point-to-Point Account with Adjustable Participation Annual Point-to-Point Account with Cap
Monthly Average Account with Index Spread Fixed Interest Account @ 1.00%
Amer. General Life Ins. Co.
AG Vision Maximizer (CA)
10 yrs 75 5.00 2.00% 90.00% $1,152 05/07/12 1 Rider
GLWB
 		0-UP: 8.00
Annual Point-to-Point with Adjustable Participation Annual Point-to-Point with Cap
Monthly Average Account with Index Spread Fixed Interest Account @ 2.00%
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 05/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 05/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
Guaranteed One-Year Fixed Interest Crediting @ 1.60%
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 05/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
S&P 500® One-Year Point-to-Point Strategy Capped
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 05/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Two-Year Monthly Average Strategy
S&P 500® Five-Year Point-to-Point Strategy
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 05/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
Guaranteed One-Year Fixed Interest Crediting @ 1.50% S&P 500® Five-Year Point-to-Point Strategy
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 05/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+
S&P 500® One-Year Point-to-Point Strategy Capped
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra
10 yrs 90   1.00-1.75% 100% $1,189 05/01/12 0-75: 7.00
76-90: 5.50
Guaranteed One Year Current Market @ 1.35% Index Corporate Bond @ 2.79%
Guaranteed One Year @ 2.20% Index 10 Year Treasury @ 1.64%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra (TX, UT, WA)
10 yrs 90   1.00% 100% $1,105 05/01/12 0-75: 6.75
76-90: 5.25
Guaranteed One Year Current Market @ 1.20% Index Corporate Bond @ 2.64%
Index 10 Year Treasury @ 1.49% Guaranteed One Year @ 2.05%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 2
10 yrs 90   1.00-1.75% 100% $1,189 05/01/12 0-75: 6.30
76-90: 4.80
Index Corporate Bond @ 2.74% Guaranteed One Year Current Market @ 1.30%
Index 10 Year Treasury @ 1.59% Guaranteed One Year @ 2.15%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 2 (TX, UT, WA)
10 yrs 90   1.00% 100% $1,105 05/01/12 0-75: 6.00
76-90: 4.50
Index Corporate Bond @ 2.59% Index 10 Year Treasury @ 1.44%
Guaranteed One Year @ 2.00% Guaranteed One Year Current Market @ 1.15%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 4
10 yrs 85   1.00-1.75% 100% $1,189 05/01/12 0-75: 5.60
76-UP: 4.10
Guaranteed One Year Current Market @ 5.25% Index 10 Year Treasury @ 1.54%
Guaranteed One Year @ 2.10% Index Corporate Bond @ 2.69%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 4 (TX, UT, WA)
10 yrs 85   1.00% 100% $1,105 05/01/12 0-75: 5.25
76-UP: 4.00
Guaranteed One Year @ 2.95% Index 10 Year Treasury @ 1.39%
Index Corporate Bond @ 2.54% Guaranteed One Year Current Market @ 1.10%
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 yrs 85   1.00% 90.00% $ 994 05/01/12 1 Rider
GLWB
 		0-75: 8.00+
76-80: 6.50+
81-85: 5.00+
1 Year S&P 500 Point-to-Point Declared Rate Interest Account @ 1.00%
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 10
10 yrs (NQ)   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
Death
 		0-UP: 6.50
Option Index Declared Declared
Rate		 Fee
Allocation Option B 45.00% 55.00% 1.00% 1.95
Allocation Option C 35.00% 65.00% 1.00% 0.95
Allocation Option A 55.00% 45.00% 1.00% 2.95
Annexus (Aviva Life & Annuity)
BPASelect 10
10 yrs 78   2.25% 100% $1,249 04/06/12 0-75: 6.00
76-78: 4.00
Option Index Declared Declared
Rate		 Fee
Allocation Option B 34.00% 66.00% 1.50% 1.45
Allocation Option C 20.00% 80.00% 1.50% 0.45
Allocation Option A 48.00% 52.00% 1.50% 2.45
Annexus (Aviva Life & Annuity)
BPASelect 10 – 4% Bonus
10 yrs 78 4.00 2.25% 100% $1,299 04/06/12 0-75: 6.50
76-UP: 6.55
Option Index Declared Declared
Rate		 Fee
Allocation Option B 34.00% 66.00% 1.50% 1.45
Allocation Option C 20.00% 80.00% 1.50% 0.45
Allocation Option A 48.00% 52.00% 1.50% 2.45
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
Fixed Strategy @ 1.00% 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Average Index Strategy Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap 1-Year Average Index Strategy
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		65-75: 6.50
76-78: 4.50
Fixed Strategy @ 1.55% 1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
Fixed @ 1.00% 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Monthly Cap Index Strategy Fixed @ 1.40%
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-78: 5.50
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P 500 Point-to-Point w/ Participation 1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 10 -High
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Hang Seng 1-Year S&P500 Point-to-Point
1-Year S&P 500 Point-to-Point w/ Participation 1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life & Annuity (Income Series)
Income Select 10 -Low
10 yrs 78   2.75% 87.50% $1,148 04/06/12 0-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap 1-Year Point-to-Point Hang Seng
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1 - Year Point to Point Hang Seng Index
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1 - Year Point to Point Dow Jones EUROSTOXX 50 1-Year S&P 500 Point-to-Point Cap
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1-Year S&P 500 Monthly Cap
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Select Plus S -High
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select Plus S -Low
10 yrs 78 3.00
to 5.00 		2.75% 87.50% $1,205 04/06/12 0-75: 5.00
76-78: 3.00
1 - Year Point to Point Dow Jones EUROSTOXX 50 1-Year S&P 500 Point-to-Point Cap
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 04/06/12 0-74: 7.00
75-78: 5.00
2-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Point-to-Point with Cap Rate 2-Year Monthly Cap Rate
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -Low
10 yrs 78 3.00
to 6.00 		1.00% 87.50% $1,025 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate 1-Year Point-to-Point with Cap Rate
1-Year Fixed Crediting Rate @ 1.35%
Aviva Life & Annuity (Income Series)
Lifetime Solutions Annuity -High
10 yrs 78 5.00
to 7.00 		1.00% 87.50% $1,034 04/06/12 0-74: 7.00
75-78: 5.00
1-Year Monthly Cap Rate
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
1-Year S&P 500 Point-to-Point 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap Fixed Strategy @ 1.55%
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
1-Year S&P 500 Point-to-Point 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MulitChoice Xtra Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 65-75: 6.50
76-78: 4.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Monthly Cap Index Strategy
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -High
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Plus S -Low
10 yrs 78 3.00
to 5.00 		1.00% 100% $1,160 04/06/12 0-75: 5.00
76-78: 3.00
Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
Fixed Strategy @ 2.00% 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Index Strategy
Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -High
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Ten -Low
10 yrs 78   1.00% 100% $1,105 04/06/12 0-75: 6.50
76-78: 4.50
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Participation Index Strategy (no cap)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Fixed Strategy @ 2.00% 1-Year Multiple Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy (no spread)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Participation Index Strategy (no cap)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -High
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Xtra -Low
10 yrs 78 6.00 1.00% 100% $1,171 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Average Index Strategy (no spread) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Monthly Cap Index Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
Fixed Strategy @ 1.40%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -Low
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Ten -High
10 yrs 78   1.00% 87.50% $ 967 04/06/12 2 Riders
GLWB
 		0-75: 7.50
76-UP: 5.50
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Average Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year S&P 500 Point-to-Point Fixed Strategy @ 1.55%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -High
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 04/06/12 2 Riders
GLWB
 		0-75: 7.00
76-78: 5.00
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
Fixed Strategy @ 1.00% 1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Point-to-Point S&P 500 Index 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -Low
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Monthly Cap Index Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Xtra (S) -High
10 yrs 78 3.00
to 4.00 		1.00% 87.50% $1,005 04/06/12 2 Riders
GLWB
 		0-75: 6.00
76-78: 4.00
1-Year Average Index Strategy
EquiTrust Life Ins. Co.
Market Value Index
10 yrs 80   2.00% 87.50% $1,067 10/24/11 1 Rider
GLWB
 		0-80: 6.50+
1-Year Point-to-Point Cap Index Account 2-Year Monthly Average Cap Index Account
1-Year Monthly Average Cap Index Account 1-Year Monthly Average Participation Index Account
1-Year Fixed Interest Account @ 2.40% 1-Year Monthly Cap Index Account
F&G Life (Legacy)
AdvanceMark
10 yrs (NQ) 8.00 1.00-1.10% 87.50% $1,054 05/01/12 1 Rider
GLWB
 		0-79: 7.50+
80-85: 3.75+
S&P 500 1-Year Monthly Point-to-Point Step Forward Strategy
Fixed @ 1.25% Declared Rate on Gain Option
3 Year Monthly Average w/Spread S&P 500 2-Year Monthly Average
S&P 500 1-Year Point-to-Point S&P 500 1-Year Monthly Average
Fidelity & Guaranty Life
FG AccumulatorPlus 10
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 1 Rider
GLWB
 		0-79: 6.25+
80-85: 3.13+
1-Year Fixed Account @ 2.50% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Point-to-Point with Cap 1 Year Index Gain Option with Declared Rate
1 Year S&P 500 Monthly Point-to-Point
Fidelity & Guaranty Life
Prosperity Elite 10
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 0-79: 7.00+
80-85: 3.50+
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap 2-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 1.80% 1-Year S&P 500 Monthly Average with A Cap
1-Year Performance Triggered Account
Fidelity & Guaranty Life
Prosperity Elite 10 Enhanced
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 1 Rider
Death
 		0-79: 7.00+
80-85: 3.50+
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year Performance Triggered Account 1-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 1.80% 2-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Average with A Cap
Fidelity & Guaranty Life
Prosperity Elite 10 Protection
10 yrs (NQ) 8.00 1.00% 87.50% $1,044 05/01/12 1 Rider
GLWB
Death
 		0-79: 7.00+
80-85: 3.50+
3-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 1.80%
1-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Average with A Cap
Fidelity & Guaranty Life Ins. Co. of New York
FGNY Index-Choice 10
10 yrs 85 2.00 1.00% 100% $1,127 05/01/12
S&P 500 Monthly Point-to-Point S&P 500 Annual Point-to-Point
Fixed @ 2.00% S&P 500 Monthly Averaging
Forethought Financial
Bonus Advantage
10 yrs 80 5.00 1.00% 87.50% $1,015 05/07/12 1 Rider
GLWB
Death
 		55-75: 7.00+
76-80: 5.00+
Monthly Average with Annual Cap Monthly Point-to-Point with Monthly Cap
Fixed Account @ 1.00% Annual Point-to-Point with Cap
Forethought Financial
Guaranteed Destinations WA
10 yrs 85 5.00 1.00% 87.50% $1,015 03/26/12 0-75: 7.00
76-85: 5.00
Fixed Account Strategy @ 1.00% Short-Term Account Strategy @ 0.50%
Annual Cap with Monthly Averaging Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.25%
Forethought Financial
Income 125 -Low
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap Fixed Account Strategy @ 1.25%
Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Annual Point-to-Point with Cap
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Fixed Account Strategy @ 1.25%
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Monthly Point-to-Point with Cap
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/27/12 2 Riders
GLWB
 		0-75: 7.00+
76-85: 5.00+
Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -High
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Annual Point-to-Point with Cap Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Fixed Account Strategy @ 1.25% Monthly Point-to-Point with Cap
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Fixed Account Strategy @ 1.25%
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -High
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Fixed Account Strategy @ 1.25%
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/27/12 3 Riders
GLWB
Death
 		0-75: 8.00+
76-85: 5.50+
Annual Point-to-Point with Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy 10-Year Fixed Rate Strategy @ 1.25%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Monthly Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Performance Trigger Strategy 10-Year Fixed Rate Strategy @ 1.60%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1 Year Fixed Rate Strategy @ 1.00%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy 1 Year Fixed Rate Strategy @ 1.25%
1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Low
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1-Year S&P 500 Annual Cap Strategy 1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -Mid
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
10-Year Fixed Rate Strategy @ 1.50%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus -High
10 yrs (NQ) 5.00 12/12/11 1 Rider
GLWB
 		0-75: 7.00+
76-UP: 5.00+
1 Year Fixed Rate Strategy @ 1.35% 1-Year S&P 500 Monthly Cap Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Low
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1-Year S&P 500 Monthly Cap Strategy 1 Year Fixed Rate Strategy @ 1.00%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Mid
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1-Year S&P 500 Annual Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -High
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1-Year S&P 500 Monthly Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Mid
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -High
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
10-Year Fixed Rate Strategy @ 1.40% 1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Low
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
10-Year Fixed Rate Strategy @ 1.05%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Mid
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1 Year Fixed Rate Strategy @ 1.25%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -High
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1-Year S&P 500 Annual Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Low
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1-Year S&P 500 Performance Trigger Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Mid
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
10-Year Fixed Rate Strategy @ 1.30% 1-Year S&P 500 Monthly Cap Strategy
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -High
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1 Year Fixed Rate Strategy @ 1.35%
Genworth Life and Annuity Ins. Co
SecureLiving Index 10 Plus (AK, MN, MO, OR, PA) -Low
10 yrs (NQ) 1.00 03/19/12 1 Rider
GLWB
 		0-75: 7.00
76-UP: 5.00
1-Year S&P 500 Annual Cap Strategy
Great Amer. Life Ins. Co.
American Valor® 10
10 yrs 85 2.00 1.00% 100% $1,127 04/07/12 2 Riders
GLWB
Death
Qualified
18-75: 5.40
76-80: 4.05
81-UP: 2.25
Non-Qualified
0-75: 5.40
76-80: 4.05
81-UP: 2.25
Declared Rate Strategy @ 1.40% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point

Return of Premium, with bailout feature. And, an income rider with 10% simple rollup.
Great Amer. Life Ins. Co.
Safe Return
10 yrs 85   1.00% 100% $1,105 04/07/12 2 Riders
GLWB
Death
Qualified
18-75: 5.85
76-80: 4.95
81-85: 2.25
Non-Qualified
0-75: 5.85
76-80: 4.95
81-85: 2.25
1 Year S&P 500 Monthly Average with Cap Declared Rate Strategy @ 1.10%
1 Year S&P 500 Annual Point-to-Point Cap
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Fixed Rate Strategy @ 1.00% Monthly Cap Index Strategy
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.00%
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 05/02/12 1 Rider
GLWB
 		0-80: 7.00+
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Fixed Rate Strategy @ 1.00% Monthly Cap Index Strategy
Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Point-to-Point Cap Index Strategy Fixed Rate Strategy @ 1.00%
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00 2.00% 87.50% $1,099 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Interest Rate Benchmark Strategy Monthly Cap Index Strategy
Life of the Southwest
SecurePlus Elite 3 403(b) & 457
10 yrs 0   1.95% 87.50% $1,061 05/15/12 1 Rider
GLWB
Call
1 Year S&P 500 Annual Point-to-Point Declared Interest Account @ 1.95%
1 Year Russell 2000 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Life of the Southwest
SecurePlus Gold
10 yrs 85   1.00% 87.50% $ 967 03/22/12 2 Riders
GLWB
Average Index Account Ending Index Account
Declared Interest Account @ 1.75%
Life of the Southwest
SecurePlus Marquee 10
10 yrs 80   03/29/12 1 Rider
GLWB
Call
Russell 2000 Point-to-Point Option 1 Russell 2000 Point-to-Point Option 2
S&P 500 Point-to-Point Daily Average S&P 500 Point-to-Point Option 1
S&P 500 Point-to-Point Option 2 Declared Fixed Rate @ 1.75%
Life of the Southwest
SecurePlus Marquee 3
10 yrs 85 3.00 03/29/12
Call
Russell 2000 Point-to-Point Option 1 Russell 2000 Point-to-Point Option 2
S&P 500 Point-to-Point Daily Average S&P 500 Point-to-Point Option 1
S&P 500 Point-to-Point Option 2 Declared Fixed Rate @ 1.25%
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 5.00 1.00% 100% $1,160 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 4.75+
Fixed Account @ 1.10% 2-Year Point-to-Point Indexed Account
2-Year Monthly Cap Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 4.00 1.00% 100% $1,149 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 4.75+
Performance Triggered Indexed Account 2-Year Monthly Cap Indexed Account
2-Year Point-to-Point Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 5.00 1.00% 100% $1,160 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 4.75+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 4.00 1.00% 100% $1,149 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 4.75+
Fixed Account @ 1.10%
Midland National Life
Capstone 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 8.00+
76-79: 6.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year S&P 400 Annual Daily Average 1-Year S&P 500 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year Optimal Index Strategy Cap 1-Year Fixed @ 1.25%
1-Year Dow Jones Annual Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Innovator Choice 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 8.00+
76-79: 6.00+
1-Year Russell 2000 Annual Daily Average IM 1-Year Dow Jones Annual Point-to-Point IM & Cap
1 -Year NASDAQ Monthly Point-to-Point 1-Year Fixed @ 1.25%
1-Year S&P 400 Annual Point-to-Point IM & Cap 1-Year Dow Jones Annual Daily Average IM
1-Year Nasdaq-100 Annual Point-to-Point IM & Cap 1-Year S&P 500 Annual Daily Average IM
1-Year S&P 500 Annual Point-to-Point IM & Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point IM & Cap
1-Year S&P 400 Annual Daily Average IM 1-Year Russell 2000 Annual Point-to-Point IM & Cap
1-Year S&P 500 Monthly Point-to-Point 1-Year Optimal Index Strategy IM & Cap
Midland National Life
MNL Diversity Ten
10 yrs (NQ) 8.00 1.00% 100% $1,193 02/24/12 0-75: 7.00+
76-79: 5.26+
S&P 400 Annual Point-to-Point Nasdaq 100 Monthly Point-to-Point
Russell 2000 Annual Point-to-Point S&P 500 Annual Point-to-Point
DJIA Monthly Average S&P 500 Monthly Point-to-Point
DJ Eurostoxx 50 Annual Point-to-Point Nasdaq 100 Annual Point-to-Point
DJIA Annual Point-to-Point S&P 500 Monthly Average
Russell 2000 Monthly Average S&P 400 Monthly Average
Fixed @ 1.00%
Midland National Life
MNL Paragon Plus 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 8.00+
76-79: 6.00+
1-Year S&P 400 Annual Point-to-Point PR 1-Year Fixed @ 1.25%
1-Year DJ EuroStoxx 50 Annual Point-to-Point PR 1-Year Russell 2000 Annual Point-to-Point PR
1-Year Nasdaq 100 Annual Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average PR 1-Year DJIA Monthly Average PR
1-Year Nasdaq 100 Monthly Point-to-Point 1-Year Russell 2000 Monthly Average PR
1-Year DJIA Annual Point-to-Point PR 1-Year S&P 500 Annual Point-to-Point PR
1-Year S&P 400 Monthly Average PR
Midland National Life
MNL Pinnacle
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 02/24/12 0-75: 6.00+
76-79: 4.50+
Russell 2000 Daily Avg w/ Participation S&P 500 Daily Avg w/ Participation
NASDAQ 100 Annual Point-to-Point w/ Cap S&P 500 Monthly Point-to-Point w/ Cap
DJIA Annual Point-to-Point w/ Cap DJ EuroSTOXX 50 Annual Point-to-Point w/ Cap
DJIA Daily Avg w/ Participation Optimal Index Strategy
NASDAQ 100 Monthly Point-to-Point w/ Cap S&P 400 Daily Avg w/ Participation
S&P 500 Annual Point-to-Point w/ Cap Russell 2000 Annual Point-to-Point w/ Cap
S&P 400 Annual Point-to-Point w/ Cap Fixed @ 1.00%
Midland National Life
MNL RetireVantageSM 10
10 yrs (NQ) 3.00 1.00% 87.50% $ 996 02/24/12 3 Riders
GLWB
 		0-79: 8.00+
1-Year S&P 500 Annual Point-to-Point 1-Year Fixed Account @ 1.60%
1-Year Dow Jones Annual Daily Average IM 1-Year S&P 400 Annual Point-to-Point
1-Year Nasdaq Monthly Point-to-Point Cap 1-Year Nasdaq 100 Annual Point-to-Point
1-Year S&P 500 Monthly Average PR 1-Year S&P 400 Monthly Average PR
1-Year London Gold Market Fixing Price 1-Year Dow Jones Monthly Average PR
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Inverse Performance Triggered S&P 500
1-Year S&P 500 Annual Daily Average IM 1-Year S&P 400 Annual Daily Average IM
1-Year Dow Jones Annual Point-to-Point
Midland National Life
MNL RetireVantageSM 10 OABR
10 yrs (NQ) 6.00 1.00% 87.50% $1,025 02/24/12 3 Riders
GLWB
 		0-79: 8.00+
1-Year Nasdaq Monthly Point-to-Point Cap 1-Year London Gold Market Fixing Price
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Monthly Average PR
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 400 Monthly Average PR
1-Year S&P 500 Annual Daily Average IM 1-Year Inverse Performance Triggered S&P 500
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 400 Annual Daily Average IM
1-Year Fixed Account @ 1.60% 1-Year S&P 500 Monthly Average PR
1-Year Nasdaq 100 Annual Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average IM
Midland National Life
MNL Ten
10 yrs 79 8.00 1.00% 100% $1,193 02/24/12 0-75: 7.00+
76-79: 5.25+
1 Year Russell 2000 Point-to-Point Monthly Averaging 1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 400 MidCap Point-to-Point Monthly Averaging 1 Year Russell 2000 Annual Point-to-Point
1 Year S&P 500 Point-to-Point Monthly Averaging 1-Year Fixed Account @ 1.05%
1 Year DJIA Annual Point-to-Point 1 Year DJIA Point-to-Point Monthly Averaging
1 Year S&P MidCap 400 Annual Point-to-Point 1-Year NASDAQ 100 Monthly Point-to-Point
1 Year Nasdaq-100 Annual Point-to-Point 1 Year DJ EuroSTOXX 50 Annual Point-to-Point
1 Year S&P 500 Annual Point-to-Point 1 Year Optonal Index Strategy
Midland National Life
Prosperity Choice 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 8.00+
76-79: 6.00+
1-Year Optimal Index Strategy PR & Cap 1-Year Russell 2000 Annual Daily Average PR
1-Year S&P 500 Monthly Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point PR & Cap
1-Year S&P 500 Annual Point-to-Point PR & Cap 1-Year Dow Jones Annual Point-to-Point PR & Cap
1-Year Dow Jones Annual Daily Average PR 1-Year Russell 2000 Annual Point-to-Point PR & Cap
1-Year S&P 400 Annual Daily Average PR 1-Year Nasdaq 100 Monthly Point-to-Point
1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point PR & Cap 1-Year S&P 500 Annual Daily Average PR
1-Year Fixed @ 1.25% 1-Year S&P 400 Annual Point-to-Point PR & Cap
Midland National Life
Select Series (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Midland National Life
Select Series (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year S&P 500 Annual Point-to-Point 1-Year Fixed @ 2.40%
Midland National Life
Select Series (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year Fixed @ 2.70%
Midland National Life
Select Series (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year S&P 400 Annual Point-to-Point 1-Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 6.00+
76-79: 4.50+
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
Midland National Life
Select Series 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year Fixed @ 2.00%
Midland National Life
Select Series 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Midland National Life
Select Series 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
1-Year S&P 400 Annual Point-to-Point 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year Fixed @ 2.45% 1-Year S&P 500 Annual Point-to-Point
National Western Life
NWL IMPACT 10
10 yrs 80 (NQ) 7.00 1.00% 87.50% $1,034 03/23/12 2 Riders
GLWB
Qualified
0-70: 6.50+
71-75: 5.00+
76-80: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 4.50+
Option A: 1 Year Annual Point to Point with Monthly Average Option D: 1 Year Annual Point to Point with Monthly Cap
Option K: 1 Year Annual Poin to Point with Monthly Average Option J: 1 Year Annual Point to Point with Cap
Option B: Fixed Interest Rate @ 1.80%
North American Company
Charter 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
76-79: 5.63+
1-Year S&P 500 Monthly Point-to-Point Cap 1 -Year NASDAQ Monthly Point-to-Point Cap
1- Year Hindsight Index 1-Year S&P 500 Annual Point-to-Point
1-Year Fixed @ 1.00% 1-Year S&P 400 Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year Dow Jones Annual Daily Average 1-Year S&P 500 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Charter 10 (TX)
10 yrs (NQ)   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
1-Year S&P 400 Annual Daily Average 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Annual Point-to-Point
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Fixed @ 2.00%
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Annual Daily Average
1- Year Hindsight Index 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Fixed @ 2.00%
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
1-Year Fixed @ 2.40%
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice (5%) 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Fixed @ 2.05%
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Fixed @ 1.65%
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 10 -High
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 10 -Low
10 yrs 79   1.00% 87.50% $ 967 02/24/12 2 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
North American Paramount Choice Ten
10 yrs (NQ) 6.00 1.00% 100% $1,171 02/24/12 0-75: 6.50+
76-79: 4.88+
1-Year Nasdaq 100 Annual Point-to-Point 1-Year Dow Jones Industrial Monthly Averaging
1-Year S&P 400 Annual Point-to-Point 1-Year Russell 2000 Monthly Averaging
1-Year Nasdaq100 Monthly Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year DJ EuroSTOXX 50 Annual Point-to-Point 1-Year Fixed @ 1.00%
1-Year S&P 400 Monthly Averaging 1-Year S&P 500 Monthly Averaging
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year Dow Jones Industrial Annual Point-to-Point
North American Company
North American Prizm Plus 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
76-79: 5.63+
1-Year Russell 2000 Point-to-Point 1-Year Dow Jones Monthly Average
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 400 Monthly Average 1-Year S&P 500 Monthly Average
1-Year Fixed @ 1.00% 1-Year Russell 2000 Monthly Averaging
1-Year Nasdaq 100 Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Point-to-Point
1-Year S&P 400 Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
North American Company
Pillar
10 yrs (NQ) 3.00 02/24/12 3 Riders
GLWB
 		0-75: 5.00+
76-80: 3.75+
S&P 500 Daily Averaging w/ Participation DJ Eurostoxx Point-to-Point w/ Cap
DJIA Point-to-Point w/ Cap S&P 400 Point-to-Point w/ Cap
S&P 500 Annual Point-to-Point with Cap Russell 2000 Point-to-Point w/ Cap
DJIA Daily Average w/ Participation 1-Year Fixed @ 1.00%
NASDAQ-100 Monthly Point-to-Point NASDAQ-100 Point-to-Point w/ Cap
Hindsight Index Strategy S&P 400 Daily Average w/ Participation
Russell 2000 Daily Average w/ Participation S&P 500 Monthly Point-to-Point
North American Company
Precision 10
10 yrs 79 5.00 1.00% 87.50% $1,015 02/24/12 3 Riders
GLWB
 		0-75: 7.50+
76-79: 5.63+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year S&P 400 Annual Daily Average 1-Year S&P 500 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year Fixed @ 1.00% 1-Year S&P 400 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Daily Average
North American Company
Precision 10 (TX)
10 yrs (NQ)   1.00% 87.50% $ 967 02/24/12 3 Riders
GLWB
1-Year Russell 2000 Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year S&P 500 Annual Daily Average 1-Year Dow Jones Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year S&P 400 Annual Daily Average
1-Year Russell 2000 Annual Daily Average 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 400 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year Fixed @ 2.00%
Oxford Life Insurance Co.
Bonus Ten
10 yrs 80 10.00 1.00% 87.50% $1,063 05/16/12 1 Rider
GLWB
Call
Annual Point-to-Point Strategy Fixed Account Strategy @ 1.25%
Monthly Average Strategy
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -High
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
1-Year Eurostoxx 50 5-Year S&P 500 Soft Landing
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -Low
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
1-Year DJIA 1-Year S&P 500
Fixed @ 1.00%
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -High
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
1-Year DJIA
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -Low
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
1-Year Balanced Allocation
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -High
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
Monthly S&P 500 1-Year Balanced Allocation
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -Low
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
1-Year Eurostoxx 50 Monthly S&P 500
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -High
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
Fixed @ 1.00%
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -Low
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
5-Year S&P 500 Soft Landing
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender - Alternate) -High
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-85: 5.00
1-Year S&P 500
Phoenix Life Insurance Co.
Personal Income Annuity (Low Surrender)
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-85: 3.00
1-Year Eurostoxx 50 2-Year S&P 500
1-Year DJIA 1-Year Balanced Allocation
Monthly S&P 500 1-Year S&P 500
Fixed @ 0.75%
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus
10 yrs (NQ) 7.00 1.00% 87.50% $1,034 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-86: 3.00+
Point-to-Point Indexed Account - 2 year S&P 500® Fixed Account @ 1.00%
Point-to-Point Indexed Account - 1 year S&P 500® Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
Monthly Point-to-Point Indexed Account - 1 Year S&P 500® Point-to-Point Indexed Account - 1 year DJIA®
Point-to-Point Indexed Account - 1 Year Balanced Allocation
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -Low
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -High
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point-to-Point Indexed Account - 1 year DJIA® Fixed Account @ 2.50%
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -Low
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
5 Year Soft Landing S&P 500
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -High
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point-to-Point Indexed Account - 1 Year Balanced Allocation
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -Low
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point-to-Point Indexed Account - 1 year S&P 500®
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -High
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Monthly Point-to-Point Indexed Account - 1 Year S&P 500® Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -Low
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Fixed Account @ 2.50% Point-to-Point Indexed Account - 1 Year Balanced Allocation
Point-to-Point Indexed Account - 1 year DJIA®
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -High
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point-to-Point Indexed Account - 1 year S&P 500®
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -Low
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Monthly Point-to-Point Indexed Account - 1 Year S&P 500®
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus AK,MN,MO,NC,NJ,VA,WA -High
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
5 Year Soft Landing S&P 500
Phoenix Life Insurance Co.
Phoenix Index Select Gold Bonus FL,IA,IN,KY,MD,MS,NV,NH,OH,OK,PA,TX,UT
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-86: 3.00
Point-to-Point Indexed Account - 1 Year Balanced Allocation Point-to-Point Indexed Account - 1 year S&P 500®
Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50® Point-to-Point Indexed Account - 2 year S&P 500®
Monthly Point-to-Point Indexed Account - 1 Year S&P 500® Point-to-Point Indexed Account - 1 year DJIA®
Fixed Account @ 0.85%
Phoenix Life Insurance Co.
Phoenix Personal Income Annuity
10 yrs (NQ)   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-85: 3.00
1-Year Euro Stoxx 50 2-Year S&P500
1-Year DJIA Monthly S&P 500
1-Year Balanced Allocation 1-Year S&P 500
Fixed Account @ 0.85%
Phoenix Life Insurance Co.
Phoenix Reflections Gold
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.50
76-80: 5.00
81-85: 3.00
1 Year Global Look Back Monthly Point-to-Point
1 Year S&P 500® Point-to-Point Indexed Account 1 Year Domestic Look Back
Fixed Account @ 1.25% 1 Year S&P 500 Performance Trigger
Phoenix Life Insurance Co.
Phoenix Reflections Gold (State Specific)
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25
76-80: 5.00
81-85: 3.00
1 Year S&P 500 Performance Trigger 1 Year Global Look Back
1 Year Domestic Look Back Fixed Account @ 1.00%
Monthly Point-to-Point 1 Year S&P 500® Point-to-Point Indexed Account
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -High
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
Monthly Point-to-Point
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -Low
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
1 Year S&P 500 Performance Trigger
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -High
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
1 Year S&P 500® Point-to-Point Indexed Account
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -Low
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
Fixed Account @ 1.00% 1 Year Global Look Back
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -High
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
Fixed Account @ 1.00% 1 Year Domestic Look Back
1 Year Global Look Back
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -Low
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
1 Year S&P 500® Point-to-Point Indexed Account Monthly Point-to-Point
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -High
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
1 Year S&P 500 Performance Trigger
Phoenix Life Insurance Co.
Phoenix Reflections Gold (AK, MN, MO, MC, NJ, VA, WA) -Low
10 yrs 80   1.00% 87.50% $ 967 05/01/12 2 Riders
GLWB
 		0-75: 7.25+
76-80: 5.00+
81-85: 3.00+
1 Year Domestic Look Back
Phoenix Life Ins. Co. (AltiSure Group)
Premier LifeStyle Annuity (High Surrender)
10 yrs (NQ)   1.00% 87.50% $ 967 01/01/12 0-70: 7.50
71-80: 5.50
81-86: 3.50
One-Year Safety Growth Strategy Fixed Account @ 0.85%
Two-Year Safety Growth Strategy Annual Point-to-Point
Monthly Cap Strategy
Phoenix Life Ins. Co. (AltiSure Group)
Premier LifeStyle Annuity (Low Surrender)
10 yrs (NQ)   1.00% 87.50% $ 967 01/01/12 0-70: 7.50
71-80: 5.50
81-86: 3.50
Fixed Account @ 0.85% Annual Point-to-Point
One-Year Safety Growth Strategy: Monthly Cap Strategy
Two-Year Safety Growth Strategy
Phoenix Life Ins. Co. (AltiSure Group)
Secure LifeStyle Bonus Annuity (High Surrender)
10 yrs (NQ) 8.00 1.00% 87.50% $1,044 01/01/12 0-70: 6.50
71-80: 5.00
81-86: 3.00
One-Year Safety Growth Strategy Two-Year Safety Growth Strategy
Monthly Cap Strategy Annual Point-to-Point
Fixed Account @ 0.75%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Phoenix Life Ins. Co. (AltiSure Group)
Secure LifeStyle Bonus Annuity (Low Surrender)
10 yrs (NQ) 6.00 1.00% 87.50% $1,025 01/01/12 0-70: 6.50
71-80: 5.00
81-86: 3.00
Fixed Account @ 0.75% Monthly Cap Strategy
Two-Year Safety Growth Strategy One-Year Safety Growth Strategy
Reliance Standard Life
Keystone 10 Index Annuity
10 yrs 85   1.00% 100% $1,105 03/06/12 0-80: 7.00
81-85: 4.20
1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Participation Rate
Fixed Interest Strategy @ 1.90% 1-Year Monthly Average - Capped
1-Year Point-to-Point - Capped
Security Benefit Life (Advisor XL)
Security Benefit Secure Income Annuity
10 yrs 80 5.50
to 8.00 		1.00% 87.50% $1,044 03/05/12 1 Rider
GLWB
 		0-74: 7.00
75-80: 5.00
1 Year S&P 500 Point-to-Point Fixed Account @ 1.25%
1 Year S&P 500 Monthly Sum
Surrender Charges Last 9 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9
9 yrs 85 3.00
to 4.00 		1.50% 90.00% $1,070 05/07/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 3.50+
81-85: 2.00+
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.00%
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9 (CA)
9 yrs 85 3.00
to 4.00 		1.50% 90.00% $1,070 05/07/12 1 Rider
GLWB
 		0-75: 6.00
76-80: 3.50
81-85: 2.00
2-Year Point-to-Point Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 1.00%
Amer. General Life Ins. Co.
AG Vision Advantage 9
9 yrs 80   1.50% 90.00% $1,029 05/07/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 5.00+
Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap
Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread
Fixed Interest Account @ 1.65%
Amer. General Life Ins. Co.
AG Vision Advantage 9(CA)
9 yrs 80   2.00% 90.00% $1,076 05/07/12 1 Rider
GLWB
 		0-75: 6.00+
76-UP: 5.00+
Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap
Annual Point-to-Point Account with Adjustable Participation Rate and Index Cap Monthly Average Account with Index Spread
Fixed Interest Account @ 2.00%
EquiTrust Life Ins. Co.
Builder Bonus Index
9 yrs 80 5.00
to 6.00 		2.00% 87.50% $1,108 03/13/12 1 Rider
GLWB
 		0-80: 5.00
1-Year S&P 500 Monthly Cap 1-Year Fixed Rate Account @ 1.15%
1-Year S&P 500 Daily Averaging 1-Year S&P 500 Monthly Averaging Participation
1-Year S&P 500 Point-to-Point 2-Year S&P 500 Monthly Averaging
EquiTrust Life Ins. Co.
Market Booster Index
9 yrs 80 4.00 2.00% 87.50% $1,088 10/24/11 1 Rider
GLWB
 		0-80: 6.00+
1-Year S&P 500 Daily Average Cap Index Account 1-Year Fixed Interest Account @ 1.00%
1-Year S&P 500 Point-to-Point Cap Index Account 1-Year S&P 500 Monthly Averaging Participation Index Account
1-Year S&P 500 Monthly Cap Index Account
Fidelity & Guaranty Life
FG Index-Choice 9
9 yrs 85 3.00 1.00-1.10% 103.00% $1,171 05/01/12 1 Rider
GLWB
 		0-79: 9.00+
80-85: 4.50+
1-Year S&P 500 Monthly Point-to-Point 3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Annual Point-to-Point 2-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average Fixed Account @ 1.50%
ING Annuity and Asset Sales
ING Envoy Nine Fixed Index Annuity -High
9 yrs 80   1.00% 87.50% $ 957 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Envoy Nine Fixed Index Annuity -Low
9 yrs 80   1.00% 87.50% $ 957 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Envoy Nine Fixed Index Annuity -High
9 yrs 80   1.00% 87.50% $ 957 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
1-Year Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Envoy Nine Fixed Index Annuity -Low
9 yrs 80   1.00% 87.50% $ 957 05/02/12 1 Rider
GLWB
 		0-80: 6.00+
1-Year Point-to-Point Cap Index Strategy
Life of the Southwest
SecurePlus Premier 3
9 yrs 85 3.00 1.95% 90.00% $1,103 08/29/11 1 Rider
GLWB
Russell 2000 Ending Index Rate Option 2 1-Year S&P 500 Average
S&P 500 Ending Index Rate Option 1 S&P 500 Ending Index Rate Option 2
Declared Fixed Account @ 1.95% Russell 2000 Ending Index Rate Option 1
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
Performance Triggered 1-Year Monthly Average
1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
1-Year Monthly Average Fixed Account @ 1.40%
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
Fixed Account @ 1.25%
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80   1.00% 100% $1,094 05/01/12 1 Rider
GLWB
 		0-75: 7.00+
76-80: 5.25+
Performance Triggered
National Western Life
NWL Ultra Future (2% Bonus states)
9 yrs 80 (NQ) 2.00 3.00% 03/23/12 2 Riders
GLWB
Qualified
0-70: 5.00+
71-75: 2.50+
76-80: 1.50+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option D: S&P 500 Monthly Cap Fixed @ 2.30%
Option A: S&P 500 Monthly Average
National Western Life
NWL Ultra Value
9 yrs 80 (NQ) 2.00 1.00% 87.50% $ 976 03/23/12 2 Riders
GLWB
Qualified
0-70: 5.00+
71-75: 2.50+
76-80: 1.50+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option A: Monthly Average Annual Reset Option B: Fixed Interest Rate @ 2.75%
Option D: Monthly Cap Annual Reset
Surrender Charges Last 8 Years
Amer. General Life Ins. Co.
AG Global 8 Index Annuity
8 yrs 80   1.50% 90.00% $1,014 05/07/12 0-75: 4.75
76-80: 3.00
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 1.40%
Amer. General Life Ins. Co.
AG Global 8 Index Annuity (CA)
8 yrs 80   2.00% 90.00% $1,054 05/07/12 0-75: 4.75
76-80: 3.00
Annual Point-to-Point Account with Participation Rate Global Multiple Index Account with Cap
Monthly Additive Account with Cap Fixed Interest Account @ 2.00%
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8
8 yrs 80   1.00-2.25% 87.50% $1,045 04/06/12 2 Riders
GLWB
 		0-75: 5.50
76-80: 4.00
Option Index Declared Declared
Rate		 Fee
Allocation Option B 35.00% 65.00% 1.00% 1.95
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8 - 3% Bonus
8 yrs 80 3.00 1.00-2.25% 87.50% $1,077 04/06/12 2 Riders
GLWB
Death
 		0-75: 5.50
76-UP: 4.00
Option Index Declared Declared
Rate		 Fee
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option B 35.00% 65.00% 1.00% 1.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8S
8 yrs 80   1.00% 87.50% $ 948 04/06/12 1 Rider
GLWB
 		0-75: 5.50
76-UP: 4.00
Option Index Declared Declared
Rate		 Fee
Allocation Option B 35.00% 65.00% 1.00% 1.95
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Annexus (Aviva Life & Annuity)
Balance Allocation Annuity 8S - 3% Bonus
8 yrs 80 3.00 1.00% 87.50% $ 976 04/06/12 2 Riders
GLWB
Death
 		0-75: 5.50
76-80: 4.00
Option Index Declared Declared
Rate		 Fee
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option B 35.00% 65.00% 1.00% 1.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Annexus (Aviva Life & Annuity)
BalancedAllocation Annuity 8™ G
8 yrs 80   1.00% 87.50% $ 948 04/06/12 1 Rider
GLWB
Call
Option Index Declared Declared
Rate		 Fee
Allocation Option A 40.00% 60.00% 1.00% 2.95
Allocation Option C 30.00% 70.00% 1.00% 0.95
Allocation Option B 35.00% 65.00% 1.00% 1.95
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Performance Triggered Indexed Account
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
2-Year Point-to-Point Indexed Account Performance Triggered Indexed Account
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
2-Year Point-to-Point Indexed Account Fixed Account @ 2.00%
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85   1.00% 100% $1,083 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Fixed Account @ 1.80%
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
Fixed Account @ 1.10%
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Monthly Cap Indexed Account
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Point-to-Point Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Monthly Cap Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
Fixed Account @ 1.10%
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 4.00 1.00% 100% $1,126 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
Performance Triggered Indexed Account
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 3.00 1.00% 100% $1,115 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.00+
81-85: 2.00+
2-Year Point-to-Point Indexed Account
Midland National Life
MNL EndeavorSM 8
8 yrs (NQ)   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
80-85: 3.00+
1-Year S&P 500 Annual Point-to-Point 1-Year NASDAQ 100 Annual Point-to-Point
1-Year Hang Seng Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 500 Inverse Performance Triggered 1-Year DJIA Annual Point-to-Point
1-Year Fixed Account @ 2.00% 1-Year DJ EuroSTOXX 50 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year NASDAQ 100 Monthly Point-to-Point
1-Year S&P 400 Annual Point-to-Point
Midland National Life
MNL EndeavorSM 8 Plus
8 yrs (NQ) 5.00 1.00% 87.50% $ 995 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-79: 4.50+
80-85: 3.00+
1-Year S&P 400 Annual Point-to-Point 1-Year NASDAQ 100 Monthly Point-to-Point
1-Year DJIA Annual Point-to-Point 1-Year DJ EuroSTOXX 50 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year Fixed Account @ 1.40%
1-Year S&P 500 Inverse Performance Triggered 1-Year Russell 2000 Annual Point-to-Point
1-Year NASDAQ 100 Annual Point-to-Point 1-Year Hang Seng Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Fixed @ 2.05% 1-Year S&P 400 Annual Point-to-Point
Midland National Life
Select Series (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Midland National Life
Select Series (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year NASDAQ Monthly Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
1-Year Fixed @ 2.40% 1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Annual Point-to-Point 1-Year Fixed @ 1.70%
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Russell 2000 Annual Point-to-Point 1-Year Fixed @ 2.05%
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 400 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Midland National Life
Select Series 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Midland National Life
Select Series 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year NASDAQ Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 2.05% 1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 1.65% 1-Year S&P 500 Annual Point-to-Point Cap
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
North American Company
Freedom Choice (5%) 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Annual Point-to-Point Cap
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 1.75%
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 8 -High
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year S&P 500 Annual Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 8 -Low
8 yrs 85   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-80: 4.13+
81-85: 2.75+
1-Year Fixed @ 1.35%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
North American Company
NA Performance Choice 8
8 yrs (NQ)   1.00% 87.50% $ 948 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
80-85: 2.75+
1-Year S&P 400 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Hang Seng Point-to-Point 1-Year Fixed @ 1.70%
1-Year Nasdaq 100 Monthly Point-to-Point Cap Inverse Performance Trigger
1-Year Russell 2000 Point-to-Point 1-Year Dow Jones Point-to-Point
1-Year S&P 500 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year Nasdaq 100 Point-to-Point
North American Company
NA Performance Choice 8 Plus
8 yrs (NQ) 5.00 1.00% 87.50% $ 995 02/24/12 3 Riders
GLWB
 		0-75: 5.50+
76-79: 4.13+
80-85: 2.75+
1-Year Nasdaq 100 Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Dow Jones Point-to-Point
Inverse Performance Trigger 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point Cap 1-Year S&P 400 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Hang Seng Point-to-Point
1-Year Fixed @ 1.10%
Surrender Charges Last 7 Years
American National Ins. Co.
Value Lock 7
7 yrs 80   1.00-1.75% 88.75% $1,002 05/01/12 0-75: 6.00
76-80: 4.00
S&P 500 7 Year Point-to-Point
Principal Financial Group
Principal Performance Anuity 7 -High
7 yrs (NQ) 0.00 3.00% 90.00% $1,107 05/15/12 0-75: 3.25
76-UP: 2.15
1 Year S&P 500 Point to Point
Principal Financial Group
Principal Performance Anuity 7 -Low
7 yrs (NQ) 0.00 3.00% 90.00% $1,107 05/15/12 0-75: 3.25
76-UP: 2.15
1 Year S&P 500 Point to Point
Allianz Life Ins. Co. of North America
MasterDex Plus Annuity
7 yrs 80   1.50% 87.50% $ 971 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 5.00+
1 Year Nasdaq 100 Monthly Sum Cap 1 Year FTSE 100 Monthly Sum Cap
1 Year S&P 500 Point-to-Point Cap 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Point-to-Point Cap 1 Year Blended Monthly Average Spread
1 Year Nasdaq 100 Point-to-Point Cap Fixed Interest Account @ 1.50%
1 Year S&P 500 Monthly Sum Cap
Amer. General Life Ins. Co.
AG Vision Advantage 7
7 yrs 85   1.50% 90.00% $ 999 05/07/12 1 Rider
GLWB
 		0-75: 6.00
76-85: 5.00
Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap
Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread
Fixed Interest Account @ 1.10%
Amer. General Life Ins. Co.
AG Vision Advantage 7 (CA)
7 yrs 85   2.00% 90.00% $1,034 05/07/12 1 Rider
GLWB
 		0-75: 6.00
76-UP: 5.00
Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap
Annual Point-to-Point Account with Adjustable Participation Rate and Index Cap Monthly Average Account with Index Spread
Fixed Interest Account @ 2.00%
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 yrs 85   1.00% 90.00% $ 965 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 4.00+
81-85: 3.00+
Declared Rate Interest Account @ 1.00% 1 Year S&P 500 Annual Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 7 -High
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1 Year S&P500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1-Year DJ EUROSTOXX 50 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 7 -High
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1-Year S&P500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Select 7 -High
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1-Year Hang Seng Point-to-Point 1-Year S&P500 Monthly Cap
1-Year DJ EUROSTOXX 50 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
Fixed @ 2.00% 1 Year S&P500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select 7 -High
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1 Year S&P500 Point-to-Point w/ Participation
Aviva Life & Annuity (Income Series)
Income Select 7 -Low
7 yrs 81   2.75% 87.50% $1,058 04/06/12 0-75: 3.00
76-80: 1.75
81-81: 1.75
1 Year S&P500 Point-to-Point 1-Year Hang Seng Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -Low
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -High
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -Low
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -High
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.00%
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Seven -Low
7 yrs 81   1.00% 100% $1,072 04/06/12 0-75: 3.00
76-80: 1.75
81-UP: 1.75
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Index Strategy
Fixed Strategy @ 2.00%
F&G Life (Legacy)
AmeriMark Freedom 7
7 yrs 85   1.00% 87.50% $ 938 05/01/12 2 Riders
GLWB
 		0-80: 5.00
81-85: 2.50
Declared Rate on Gain Strategy Fixed @ 1.75%
Annual Point-to-Point 3 Year Monthly Average w/ Spread
Monthly Cap Strategy 2-Year Monthly Average w/ Cap
Annual Point-to-Point 3 Yr Highwater
F&G Life (Legacy)
AmeriMark Freedom 7 SE
7 yrs 0 (NQ) 5.00 1.00% 87.50% $ 985 05/01/12 2 Riders
GLWB
 		0-80: 4.00
81-85: 2.00
2-Year Monthy Average w/ Cap Fixed @ 1.25%
3 Year Monthly Average w/ Spread Annual Point-to-Point
Monthly Cap Strategy Annual Point-to-Point 3 Yr Highwater
Declared Rate on Gain Strategy
Fidelity & Guaranty Life
FG Index-Accelerator 7
Product has been withdrawn from sale effective 05/18/2012
Fidelity & Guaranty Life
Prosperity Elite 7
7 yrs (NQ)   1.00% 87.50% $ 938 05/01/12 0-79: 5.00
80-85: 2.50
Fixed Account @ 1.75% 1-Year S&P 500 Monthly Average with Cap
2-Year S&P 500 Point-to-Point with Cap 3-Year S&P 500 Point-to-Point with Cap
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with Cap
1-Year S&P 500 Point-to-Point with Cap
Fidelity & Guaranty Life
Prosperity Elite 7 Enhanced
7 yrs (NQ) 3.00 1.00% 87.50% $ 966 05/01/12 1 Rider
Death
 		0-79: 5.00
80-85: 2.50
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with Cap
1-Year S&P 500 Monthly Average with Cap 2-Year S&P 500 Point-to-Point with Cap
3-Year S&P 500 Point-to-Point with Cap 1-Year S&P 500 Point-to-Point with Cap
Fixed Account @ 1.75%
Fidelity & Guaranty Life
Prosperity Elite 7 Protection
7 yrs (NQ) 5.00 1.00% 87.50% $ 985 05/01/12 1 Rider
GLWB
Death
 		0-79: 5.00
80-85: 2.50
1-Year Performance Triggered Account 1-Year S&P 500 Point-to-Point with Cap
1-Year S&P 500 Monthly Point-to-Point with Cap 2-Year S&P 500 Point-to-Point with Cap
1-Year S&P 500 Monthly Average with Cap 3-Year S&P 500 Point-to-Point with Cap
Fixed Account @ 1.75%
Fidelity & Guaranty Life Ins. Co. of New York
FGNY Index-Safety 7
7 yrs 85   1.00% 100% $1,072 05/01/12
Fixed @ 2.00% S&P 500 Monthly Averaging
S&P 500 Monthly Point-to-Point S&P 500 Annual Point-toPoint
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Mid
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
S&P 500 Annual Point-to-Point w/ Cap S&P 500 Performance Triggered
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Low
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
S&P 500 Annual Point-to-Point w/ Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -High
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
7-Year Fixed Rate Strategy @ 2.10% S&P 500 Monthly Point-to-Point W/Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Low
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
7-Year Fixed Rate Strategy @ 1.75%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Mid
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
7-Year Fixed Rate Strategy @ 2.00%
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Low
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
S&P 500 Monthly Point-to-Point W/Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -High
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
1-Year Fixed Rate Strategy @ 1.85% S&P 500 Annual Point-to-Point w/ Cap
S&P 500 Performance Triggered
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Low
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
1-Year Fixed Rate Strategy @ 1.50%
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Mid
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
1-Year Fixed Rate Strategy @ 1.75%
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Low
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
S&P 500 Performance Triggered
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 -Mid
7 yrs (NQ)   1.00% 100% 12/12/11 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.50+
81-UP: 2.00+
S&P 500 Monthly Point-to-Point W/Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Mid
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
1-Year Fixed Rate Strategy @ 1.25%
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -High
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
7-Year Fixed Rate Strategy @ 1.40%
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Mid
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Annual Point-to-Point w/ Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -High
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Monthly Point-to-Point W/Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Low
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Monthly Point-to-Point W/Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Mid
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Performance Triggered
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -High
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Annual Point-to-Point w/ Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Low
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
7-Year Fixed Rate Strategy @ 1.05%
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Mid
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Monthly Point-to-Point W/Cap
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -High
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Performance Triggered 1-Year Fixed Rate Strategy @ 1.35%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Low
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
S&P 500 Annual Point-to-Point w/ Cap 1-Year Fixed Rate Strategy @ 1.00%
S&P 500 Performance Triggered
Genworth Life and Annuity Ins. Co
SecureLiving Index 7 (AK, MN, MO, OR, PA, WA) -Mid
7 yrs (NQ)   03/19/12 1 Rider
GLWB
 		0-75: 5.00
76-80: 3.50
81-UP: 2.00
7-Year Fixed Rate Strategy @ 1.30%
Great Amer. Life Ins. Co.
American Legend II
7 yrs 85   1.00% 100% $1,072 04/07/12 2 Riders
GLWB
Death
Qualified
18-75: 4.95
76-80: 4.59
81-85: 3.15
Non-Qualified
0-75: 4.95
76-80: 4.59
81-85: 3.15
Declared Rate Strategy @ 1.50% 1 Year S&P 500 Annual Point-to-Point
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Monthly Sum
ING Annuity and Asset Sales
ING Secure Index Seven -Low
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Monthly Cap Index Strategy Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Seven -High
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Point-to-Point Cap Index Strategy Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Seven -Low
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Secure Index Seven -High
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.25%
ING Annuity and Asset Sales
ING Secure Index Seven -Low
7 yrs 80   1.00% 87.50% $ 938 05/02/12 1 Rider
GLWB
 		0-80: 5.00+
Point-to-Point Cap Index Strategy
Life of the Southwest
SecurePlus Silver
7 yrs 89   1.00% 87.50% $ 938 03/22/12
Average Index Account Ending Index Account
Declared Interest Account @ 1.25%
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed Account @ 1.15%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Monthly Average Fixed Account @ 1.30%
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Performance Triggered 1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Performance Triggered 1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85   1.00% 100% $1,072 05/01/12 1 Rider
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Monthly Average
National Western Life
NWL IMPACT 7
7 yrs 80 (NQ) 5.00 1.00% 87.50% $ 985 03/23/12 2 Riders
GLWB
Qualified
0-70: 5.50+
71-75: 4.00+
76-80: 1.50+
Non-Qualified
0-75: 5.50+
76-80: 3.50+
Option K: 1 Year Annual Poin to Point with Monthly Average Option D: 1 Year Annual Point to Point with Monthly Cap
Option A: 1 Year Annual Point to Point with Monthly Average Option J: 1 Year Annual Point to Point with Cap
Option B: Fixed Interest Rate @ 2.15%
National Western Life
NWL IMPACT 7 S
7 yrs 80 (NQ) 5.00 1.00% 87.50% $ 985 03/23/12 2 Riders
GLWB
Qualified
0-70: 4.50+
71-75: 3.00+
76-80: 0.50+
Non-Qualified
0-75: 4.50+
76-80: 2.50+
Option B: Fixed Interest Rate @ 2.15% Option J: 1 Year Annual Point to Point with Cap
Option A: 1 Year Annual Point to Point with Monthly Average Option D: 1 Year Annual Point to Point with Monthly Cap
Option K: 1 Year Annual Point to Point with Monthly Average
Reliance Standard Life
Keystone 7 Index Annuity
7 yrs 85   1.00% 100% $1,072 03/06/12 0-80: 5.00
81-85: 3.00
1-Year Point-to-Point - Capped 1-Year Monthly Average - Participation Rate
Fixed Interest Strategy @ 1.85% 1-Year Point-to-Point - Participation Rate
1-Year Monthly Average - Capped
Symetra Life Insurance Co.
Symetra Edge Pro 7 -High
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P 500 Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 7 -Low
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year Fixed Account @ 2.00% 1-Year S&P 500 Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 7 -High
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P GSCI Excess Return Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 7 -Low
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P GSCI Excess Return Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 7 -High
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year Fixed Account @ 2.00% 1-Year S&P 500 Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 7 -Low
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P 500 Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 7 -High
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P GSCI Excess Return Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 7 -Low
7 yrs 90   2.00% 100% $1,149 05/15/12 0-75: 4.50
76-85: 2.50
86-UP: 1.00
1-Year S&P GSCI Excess Return Point-to-Point
The Standard
Index Growth Annuity 7 -Low
7 yrs 90   1.00% 100% $1,072 03/26/12 0-80: 5.00
81-85: 2.75
86-90: 2.25
1-Year S&P 500 Annual Point-to-Point Fixed Interest Account @ 1.70%
The Standard
Index Growth Annuity 7 -High
7 yrs 90   1.00% 100% $1,072 03/26/12 0-80: 5.00
81-85: 2.75
86-90: 2.25
1-Year S&P 500 Annual Point-to-Point Fixed Interest Account @ 1.70%
The Standard
Index Select Annuity 7 -Low
7 yrs 90   1.00% 87.50% $ 938 03/26/12 0-80: 4.00
81-85: 2.00
86-90: 1.45
Fixed Interest Account @ 1.70% 1-Year S&P 500 Annual Point-to-Point
The Standard
Index Select Annuity 7 -High
7 yrs 90   1.00% 87.50% $ 938 03/26/12 0-80: 4.00
81-85: 2.00
86-90: 1.45
Fixed Interest Account @ 1.70% 1-Year S&P 500 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Surrender Charges Last 6 Years
American National Ins. Co.
ANICO EIA
6 yrs 85   1.00% 90.00% $ 955 05/01/12 0-79: 5.00
80-85: 3.00
Performance Triggered
Amer. Equity Investment Life Ins. Co.
Integrity Gold (Index 5-07)
6 yrs (NQ)   1.50% 87.50% 10/08/11 4 Riders
GLWB
 		0-75: 4.13+
76-80: 3.09+
1 Year S&P 500 Annual Point-to-Point Participation Rate Traditional Fixed Value @ 1.00%
1-Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average with Cap
1-Year Dow Jones Point-to-Point Cap 1-Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation Rate 1-Year Dow Jones Monthly Average Cap
10 Year U.S. Treasury Bond Value with Cap
Aviva Life & Annuity (Income Series)
Income Preferred Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
Fixed Strategy @ 1.30%
Aviva Life & Annuity (Income Series)
Income Preferred Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-80: 3.50
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Point-to-Point S&P 500 Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Point-to-Point S&P 500 Index
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
Fixed Strategy @ 1.30% 1-Year Average Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Average Index Strategy Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -High
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Monthly Cap Index
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Six -Low
6 yrs 80   1.00% 87.50% $ 929 04/06/12 2 Riders
GLWB
 		0-75: 5.00
76-UP: 3.50
1-Year Monthly Cap Index
Great Amer. Life Ins. Co.
Safe Outlook -High
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Monthly Average with Cap
Great Amer. Life Ins. Co.
Safe Outlook -Low
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Monthly Average with Cap
Great Amer. Life Ins. Co.
Safe Outlook -High
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Annual Point-to-Point
Great Amer. Life Ins. Co.
Safe Outlook -Low
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Declared Rate Strategy @ 1.25%
Great Amer. Life Ins. Co.
Safe Outlook -High
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Declared Rate Strategy @ 1.25%
Great Amer. Life Ins. Co.
Safe Outlook -Low
6 yrs (NQ)   1.00% 90.00% $ 955 04/07/12 3 Riders
GLWB
Death
Qualified
18-75: 3.60+
76-80: 2.70+
81-85: 1.80+
Non-Qualified
0-75: 3.60+
76-80: 2.70+
81-85: 1.80+
1 Year S&P 500 Annual Point-to-Point
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
2-Year Point-to-Point Indexed Account
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Performance Triggered Indexed Account
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Fixed Account @ 1.65% Performance Triggered Indexed Account
Performance trigger crediting: full interest rate credited in every year the index is not down.
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85   1.00% 100% $1,062 05/01/12 1 Rider
GLWB
 		0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
2-Year Point-to-Point Indexed Account Fixed Account @ 1.50%
Midland National Life
MNL EndeavorSM 6
6 yrs (NQ)   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 4.00
76-79: 3.00
80-85: 2.00
1-Year NASDAQ 100 Monthly Point-to-Point 1-Year DJ EuroSTOXX 50 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year DJIA Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 2-Year S&P 500 Biennial Point-to-Point
1-Year Fixed Account @ 1.35% 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Inverse Performance Triggered
1-Year NASDAQ 100 Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1 -Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 400 Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Fixed @ 1.70%
Midland National Life
Select Series (5%) 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Nasdaq-100 Annual Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series (5%) 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 400 Annual Point-to-Point
Midland National Life
Select Series (5%) 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point
Midland National Life
Select Series (5%) 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Fixed @ 1.40%
Midland National Life
Select Series 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Russell 2000 Annual Point-to-Point
Midland National Life
Select Series 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Monthly Point-to-Point Cap
Midland National Life
Select Series 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 400 Annual Point-to-Point
Midland National Life
Select Series 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones Annual Point-to-Point
Midland National Life
Select Series 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Fixed @ 1.45%
Midland National Life
Select Series 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Annual Point-to-Point
Midland National Life
Select Series 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year NASDAQ Monthly Point-to-Point Cap
Midland National Life
Select Series 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
Midland National Life
Select Series 6 -Low
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year Fixed @ 1.15%
Midland National Life
Select Series 6 -High
6 yrs 85   1.00% 87.50% $ 929 02/24/12 3 Riders
GLWB
 		0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
1-Year S&P 400 Annual Point-to-Point
Surrender Charges Last 5 Years
Allianz Life Ins. Co. of North America
Allianz Pro V1
5 yrs 85   1.00% 87.50% $ 920 05/01/12 0-75: 3.25
76-80: 2.00
81-UP: 1.00
1-Year Fixed Interest Account @ 1.25% 1-Year PIMCO US Advantage Index Spread
1-Year Barclay's Capital Spread
Allianz Life Ins. Co. of North America
Endurance Elite 5
5 yrs 80   1.00% 87.50% $ 920 05/01/12 1 Rider
GLWB
 		0-75: 4.50+
76-80: 3.00+
1-Year Blended Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year Euro STOXX 50 Monthly Sum 1-Year Euro STOXX 50 Point-to-Point
1-Year Nasdaq 100 Monthly Sum Cap 1 Year Blended Monthly Average Spread
1-Year S&P 500 Monthly Sum Cap 1-Year Fixed Interest Account @ 1.25%
1-Year Nasdaq 100 Point-to-Point
Amer. Equity Investment Life Ins. Co.
Heritage Gold (ICC11-IDX2)
5 yrs (NQ)   1.50% 87.50% 11/07/11 79-85: 0.50+
Fixed @ 1.00% S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year DJ EUROSTOXX 50 Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (Income Series)
Income Select 5 -High
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year S&P500 Point-to-Point 1-Year S&P 500 Point-to-Point (Participation)
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed @ 2.00%
Aviva Life & Annuity (Income Series)
Income Select 5 -High
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year DJ EUROSTOXX 50 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Select 5 -Low
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year S&P500 Monthly Cap 1-Year Hang Seng Point-to-Point
1-Year S&P500 Point-to-Point 1-Year S&P 500 Point-to-Point (Participation)
Aviva Life & Annuity (Income Series)
Income Select 5 -High
5 yrs 83   2.75% 87.50% $1,002 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed @ 2.00% 1-Year S&P500 Monthly Cap
1-Year Hang Seng Point-to-Point
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed Strategy @ 2.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -Low
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Point-to-Point Participation Index Strategy
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Income Five -High
5 yrs 83   1.00% 100% $1,051 04/06/12 0-75: 2.00
76-80: 1.05
81-83: 0.95
1-Year Monthly Cap Index Strategy

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Fixed Rate Strategy @ 1.00%

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Monthly Cap Index Strategy Interest Rate Benchmark Strategy

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Point-to-Point Cap Index Strategy (ROP)

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Monthly Cap Index Strategy (ROP)

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Interest Rate Benchmark Strategy (ROP)

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Point-to-Point Cap Index Strategy (ROP)

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Fixed Rate Strategy (ROP) @ 1.00% Point-to-Point Cap Index Strategy

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Fixed Rate Strategy (ROP) @ 1.00% Point-to-Point Cap Index Strategy
Interest Rate Benchmark Strategy (ROP)

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Interest Rate Benchmark Strategy

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Fixed Rate Strategy @ 1.00%

5 Yr surrender with R.O.P.  or, lifetime income rider (cannot do both).
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 05/02/12 1 Rider
GLWB
 		0-80: 3.50+
Monthly Cap Index Strategy Monthly Cap Index Strategy (ROP)
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Performance Triggered
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Monthly Cap 1-Year Fixed Account @ 1.25%
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Performance Triggered 1-Year Fixed Account @ 1.10%
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85   1.00% 100% $1,051 05/01/12 1 Rider
GLWB
 		0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Monthly Cap
Reliance Standard Life
Keystone 5 Index Annuity
5 yrs 85   1.00% 100% $1,051 03/06/12 0-80: 4.00
81-85: 2.40
1-Year Point-to-Point - Capped 1-Year Monthly Average - Participation Rate
1-Year Monthly Average - Capped Fixed Interest Strategy @ 1.80%
1-Year Point-to-Point - Participation Rate
Symetra Life Insurance Co.
Symetra Edge Pro 5 -Low
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P GSCI Excess Return Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 5 -High
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year Fixed Account @ 1.15% 1-Year S&P 500 Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 5 -Low
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P 500 Point-to-Point 1-Year Fixed Account @ 1.00%
Symetra Life Insurance Co.
Symetra Edge Pro 5 -High
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P 500 Point-to-Point 1-Year S&P GSCI Excess Return Point-to-Point
Symetra Life Insurance Co.
Symetra Edge Pro 5 -Low
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P 500 Monthly Average
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Riders Commissions
Age: Rate
Symetra Life Insurance Co.
Symetra Edge Pro 5 -High
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P GSCI Excess Return Monthly Average
Symetra Life Insurance Co.
Symetra Edge Pro 5 -Low
5 yrs 90   1.00% 100% $1,051 05/15/12 0-75: 3.50
76-85: 2.00
86-90: 1.00
1-Year S&P GSCI Excess Return Point-to-Point
The Standard
Index Growth Annuity 5 -Low
5 yrs 90   1.00% 100% $1,051 03/26/12 0-80: 4.00
81-85: 2.25
86-90: 1.85
Fixed Interest Account @ 1.70% 1-Year S&P 500 Annual Point-to-Point
The Standard
Index Growth Annuity 5 -High
5 yrs 90   1.00% 100% $1,051 03/26/12 0-80: 4.00
81-85: 2.25
86-90: 1.85
1-Year S&P 500 Annual Point-to-Point Fixed Interest Account @ 1.70%
The Standard
Index Select Annuity 5 -High
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
1-Year S&P 500 Annual Point-to-Point
The Standard
Index Select Annuity 5 -Low
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
1-Year S&P 500 Annual Point-to-Point
The Standard
Index Select Annuity 5 -High
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
Fixed Interest Account @ 1.70%
The Standard
Index Select Annuity 5 -Low
5 yrs 90   1.00% 87.50% $ 920 03/26/12 0-80: 3.00
81-85: 1.50
86-90: 1.35
Fixed Interest Account @ 1.70%
Surrender Charges Last 4 Years
Midland National Life
MNL EndeavorSM 4
4 yrs (NQ)   1.00% 87.50% $ 911 02/24/12 0-75: 3.00
76-79: 2.25
80-85: 1.50
1-Year NASDAQ 100 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year Russell 2000 Annual Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed Account @ 1.15%
2-Year S&P 500 Biennial Point-to-Point 1-Year NASDAQ 100 Monthly Point-to-Point
1-Year S&P 500 Inverse Performance Triggered 1-Year DJIA Annual Point-to-Point
1-Year DJ EuroSTOXX 50 Annual Point-to-Point
Midland National Life
MNL MainStreet Four
4 yrs 85   02/24/12 3 Riders
GLWB
 		0-75: 3.00+
76-80: 2.25+
81-85: 1.50+
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq 100 Annual Point-to-Point
1-Year Fixed @ 1.35% 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year DJ EuroStoxx 50 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point
Showing 1-318 of 318   

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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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