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
North American Company NA Guarantee Choice 10 High-Band [MVA]	A+	200,000	09/01/10	1-10	3.60	3.60	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	200,000	09/01/10			3.60	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
North American Company NA Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	09/01/10	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	09/01/10			3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	10,000	09/02/10	1-10	3.25	3.25	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	10,000	09/02/10			3.25	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	10,000	09/02/10	1-10	3.25	3.25	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	10,000	09/02/10			3.25	0-80: 3.00+ 81-90: 2.25+ see notes
Allianz Life Dominator Plus 10 High-Band [MVA, LOAN]	A	100,000	08/03/10	1-10	3.15	3.15	0-75: 4.00 76-80: 3.00 81-85: 2.00
Allianz Life Dominator Plus 10 High-Band [MVA, LOAN]	A	100,000	08/03/10			3.15	0-75: 4.00 76-80: 3.00 81-85: 2.00
Allianz Life Dominator Plus 10 Mid-Band [MVA, LOAN]	A	25,000	08/03/10	1-10	3.05	3.05	0-75: 4.00 76-80: 3.00 81-85: 2.00
Allianz Life Dominator Plus 10 Mid-Band [MVA, LOAN]	A	25,000	08/03/10			3.05	0-75: 4.00 76-80: 3.00 81-85: 2.00
ING USA Annuity and Life Guaranteed Choice 10 High-Band [MVA]	A	75,000	09/01/10	1	3.75	2.85	see notes
	A	75,000	09/01/10	2-10	2.75	2.85	see notes
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	09/01/10	1-10	2.80	2.80	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	09/01/10			2.80	0-75: 2.50 76-80: 1.60 81-85: 1.00
ING USA Annuity and Life Guaranteed Choice 10 Low-Band [MVA]	A	15,000	09/01/10	1-10	2.75	2.75	see notes
	A	15,000	09/01/10			2.75	see notes
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	09/01/10	1-10	2.65	2.65	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	09/01/10			2.65	0-75: 2.50 76-80: 1.60 81-85: 1.00
Rate Guaranteed 9 Years
North American Company NA Guarantee Choice 9 High-Band [MVA]	A+	200,000	09/01/10	1-9	3.40	3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	200,000	09/01/10			3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
North American Company NA Guarantee Choice 9 Low-Band [MVA]	A+	10,000 Q:2,000	09/01/10	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	09/01/10			3.20	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	09/01/10	1-9	2.75	2.75	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	09/01/10			2.75	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	A+	10,000	09/01/10	1-9	2.60	2.60	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	09/01/10			2.60	0-75: 2.50 76-80: 1.60 81-85: 1.00

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 8 Years
North American Company NA Guarantee Choice 8 High-Band [MVA]	A+	200,000	09/01/10	1-8	3.40	3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	200,000	09/01/10			3.40	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
North American Company NA Guarantee Choice 8 Low-Band [MVA]	A+	10,000 Q:2,000	09/01/10	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	09/01/10			3.20	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
EquiTrust Life Insurance Company Certainty Select 8 [MVA]	B+	10,000	09/02/10	1-8	3.00	3.00	0-80: 3.00 81-90: 2.25 see notes
EquiTrust Life Insurance Company Certainty Select 8 [MVA]	B+	10,000	09/02/10			3.00	0-80: 3.00 81-90: 2.25 see notes
EquiTrust Life Insurance Company Certainty 8 [MVA]	B+	10,000	09/02/10	1-8	3.00	3.00	0-80: 3.00 81-90: 2.25 see notes
EquiTrust Life Insurance Company Certainty 8 [MVA]	B+	10,000	09/02/10			3.00	0-80: 3.00 81-90: 2.25 see notes
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	A+	100,000	09/01/10	1-8	2.70	2.70	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	09/01/10			2.70	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 8 Low-Band [MVA]	A+	10,000	09/01/10	1-8	2.55	2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	09/01/10			2.55	0-75: 2.50 76-80: 1.60 81-85: 1.00

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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