MYGA

State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	30,000	06/18/10	1-10	3.75	3.75	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	30,000	06/18/10			3.75	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	30,000	06/18/10	1-10	3.75	3.75	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	30,000	06/18/10			3.75	0-80: 3.00+ 81-90: 2.25+ see notes
ING USA Annuity and Life Guaranteed Choice 10 High-Band [MVA]	A	75,000	06/23/10	1	4.50	3.60	see notes
	A	75,000	06/23/10	2-10	3.50	3.60	see notes
North American Company NA Guarantee Choice 10 High-Band [MVA]	A+	200,000	07/20/10	1-10	3.60	3.60	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	200,000	07/20/10			3.60	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
ING USA Annuity and Life Guaranteed Choice 10 Low-Band [MVA]	A	15,000	06/23/10	1-10	3.50	3.50	see notes
	A	15,000	06/23/10			3.50	see notes
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	07/01/10	1-10	3.45	3.45	0-75: 2.50 76-80: 1.60 81-85: 1.60
	A+	100,000	07/01/10			3.45	0-75: 2.50 76-80: 1.60 81-85: 1.60
	Next Rate:		08/01/10	1-10	3.20	3.20	-0.25 DOWN
	Next Rate:		08/01/10			3.20	-0.25 DOWN
North American Company NA Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	07/20/10	1-10	3.40	3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	10,000 Q:2,000	07/20/10			3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Allianz Life Dominator Plus 10 High-Band [MVA, LOAN]	A	100,000	07/06/10	1-10	3.35	3.35	0-75: 4.00 76-80: 3.00 81-85: 2.00
Allianz Life Dominator Plus 10 High-Band [MVA, LOAN]	A	100,000	07/06/10			3.35	0-75: 4.00 76-80: 3.00 81-85: 2.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	07/01/10	1-10	3.30	3.30	0-75: 2.50 76-80: 1.60 81-85: 1.60
	A+	10,000	07/01/10			3.30	0-75: 2.50 76-80: 1.60 81-85: 1.60
	Next Rate:		08/01/10	1-10	3.05	3.05	-0.25 DOWN
	Next Rate:		08/01/10			3.05	-0.25 DOWN
Allianz Life Dominator Plus 10 Mid-Band [MVA, LOAN]	A	25,000	07/06/10	1-10	3.25	3.25	0-75: 4.00 76-80: 3.00 81-85: 2.00
Allianz Life Dominator Plus 10 Mid-Band [MVA, LOAN]	A	25,000	07/06/10			3.25	0-75: 4.00 76-80: 3.00 81-85: 2.00

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 9 Years
North American Company NA Guarantee Choice 9 High-Band [MVA]	A+	200,000	07/20/10	1-9	3.40	3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	200,000	07/20/10			3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	A+	100,000	07/01/10	1-9	3.40	3.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	07/01/10			3.40	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Next Rate:		08/01/10	1-9	3.15	3.15	-0.25 DOWN
	Next Rate:		08/01/10			3.15	-0.25 DOWN
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	A+	10,000	07/01/10	1-9	3.25	3.25	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	07/01/10			3.25	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Next Rate:		08/01/10	1-9	3.00	3.00	-0.25 DOWN
	Next Rate:		08/01/10			3.00	-0.25 DOWN
North American Company NA Guarantee Choice 9 Low-Band [MVA]	A+	10,000 Q:2,000	07/20/10	1-9	3.20	3.20	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	10,000 Q:2,000	07/20/10			3.20	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Rate Guaranteed 8 Years
EquiTrust Life Insurance Company Certainty Select 8 [MVA]	B+	30,000	06/18/10	1-8	3.55	3.55	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty Select 8 [MVA]	B+	30,000	06/18/10			3.55	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 8 [MVA]	B+	30,000	06/18/10	1-8	3.55	3.55	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 8 [MVA]	B+	30,000	06/18/10			3.55	0-80: 3.00+ 81-90: 2.25+ see notes
North American Company NA Guarantee Choice 8 High-Band [MVA]	A+	200,000	07/20/10	1-8	3.40	3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	200,000	07/20/10			3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	A+	100,000	07/01/10	1-8	3.35	3.35	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	07/01/10			3.35	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Next Rate:		08/01/10	1-8	3.10	3.10	-0.25 DOWN
	Next Rate:		08/01/10			3.10	-0.25 DOWN
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 8 Low-Band [MVA]	A+	10,000	07/01/10	1-8	3.20	3.20	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	07/01/10			3.20	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Next Rate:		08/01/10	1-8	2.95	2.95	-0.25 DOWN
	Next Rate:		08/01/10			2.95	-0.25 DOWN
North American Company NA Guarantee Choice 8 Low-Band [MVA]	A+	10,000 Q:2,000	07/20/10	1-8	3.20	3.20	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	10,000 Q:2,000	07/20/10			3.20	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes

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

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

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

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