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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Featured Products
Surrender Charges Last 7 Years
Reliance Standard Life Keystone 7 Index Annuity	7 yrs	85		1.15%	87.50%	$ 948	07/01/10	0-80: 5.00 81-85: 4.00
	Fixed Interest Strategy @ 2.85% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate
Surrender Charges Last 5 Years
Reliance Standard Life Keystone 5 Index Annuity	5 yrs	85		1.15%	87.50%	$ 926	07/01/10	0-80: 4.00 81-85: 3.20
	Fixed Interest Strategy @ 2.75% 1-Year Monthly Average - Participation Rate 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index-1-05 & Index-7-05-OK)	17 yrs	(NQ)	10.00%	3.00%	84.00%		07/20/10	0-75: 8.20+ 76-80: 6.15+ see notes
	Fixed @ 3.30% S&P 500 Monthly Point-to-Point S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP Dow Jones Annual Monthly Average Dow Jones Annual Point-to-Point Lehman Brothers U.S. Aggregate Annual Point-to-Point
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index 1-07)	16 yrs	80	10.00%	3.00%	84.00%		07/20/10	0-75: 6.00+ 76-80: 4.50+ see notes
	Fixed Value @ 2.70% 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point 1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Lehman U.S. Aggregate Point-to-Point
Surrender Charges Last 15 Years
Life of the Southwest SecurePlus Accumulator 5	15 yrs	65	5.00%	2.45%	87.50%	$1,321	07/22/10	0-70: 7.00+ 71-75: 6.00+ 76-80: 4.00+ see notes
	Ending Index Account Average Index Account Declared Interest Account @ 2.45%
Life of the Southwest SecurePlus Platinum	15 yrs	62		2.45%	87.50%	$1,258	07/22/10	0-70: 10.00+ 71-75: 9.00+ 76-80: 8.00+ see notes
	Declared Interest Account @ 2.50% Average Index Account Ending Index Account
National Western Life Liberty Champion	15 yrs	85	5.00%				07/01/10	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qualified 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Fixed @ 2.25% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Ultra Future	15 yrs	80	10.00%	1.50%	87.50%	$1,203	07/01/10	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Account @ 2.90% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap
Surrender Charges Last 14 Years
Amer. Equity Investment Life Ins. Co. Retirement Gold (02-09)	14 yrs	78	10.00%	2.25%	87.50%		07/20/10	0-78: 6.00+ see notes
	Fixed @ 2.50% S&P 500 Monthly Average w/ Participation S&P 500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Cap
National Western Life NWL Ultra Benefit	14 yrs	(NQ)	5.00%	1.50%	87.50%	$1,132	07/01/10	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qualified 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Fixed @ 1.85% Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset
Surrender Charges Last 13 Years
National Western Life NWL Ultra Classic	13 yrs	80		1.50%	87.50%	$1,062	07/01/10	Qualified 0-70: 12.00+ 71-75: 10.00+ 76-80: 9.00+ Non-Qualified 0-75: 12.00+ 76-80: 10.50+ see notes
	Option B: Fixed Account @ 3.25% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap Annual Reset
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co. Bonus 5 (INDEX-3-07-WA)	12 yrs	(NQ)	5.00%				07/20/10	0-57: 6.00+ 58-80: 4.00+ see notes
	S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP S&P 500 Monthly Point-to-Point Fixed @ 2.70%
Amer. Equity Investment Life Ins. Co. Income Gold (Index 3-07)	12 yrs	80	5.00%	3.00%	87.50%		07/20/10	0-75: 5.63+ 76-80: 4.22+ see notes
	1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Point-to-Point Cap Fixed Account @ 2.70% 1-Year Lehman U.S. Aggregate Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
Amer. General Life Ins. Co. AG HorizonIndex Annuity 12	12 yrs	85	5.00%	2.00%	90.00%	$1,198	07/28/10	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap Fixed Interest Account @ 2.00%
Life of the Southwest SecurePlus Elite	12 yrs			1.95%	90.00%	$1,135	07/22/10
	Declared Interest Account @ 2.10% Average Index Account Ending Index Account
Life of the Southwest SecurePlus Premier 8	12 yrs	80	3.00%	1.95%	90.00%	$1,169	07/29/10	0-75: 8.00+ 76-80: 5.00+ 81-85: 4.00+ see notes
	Declared Fixed Account @ 1.95% S&P 500 Ending Index Rate Option 1 S&P 500 Ending Index Rate Option 2 1-Year S&P 500 Average Russell 2000 Ending Index Rate Option 1 Russell 2000 Ending Index Rate Option 2
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	07/01/10	0-75: 8.00+ see notes
	Fixed @ 2.35% Performance Triggered 2-Year Point to Point 2-Year Monthly Cap
Lincoln Financial Group Lincoln OptiPoint 12 -High	12 yrs	75	5.00%	2.00%	100%	$1,332	07/01/10	0-75: 8.00+ see notes
	Fixed @ 2.35% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
National Western Life Liberty Challenge	12 yrs	85 (NQ)	2.00%				07/01/10	Qualified 0-70: 9.00+ 71-75: 8.00+ Non-Qualified 0-70: 9.00+ 71-80: 8.00+ 81-85: 6.25+ see notes
	Fixed @ 2.25% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
RBC Insurance RBC Enhanced Choice 12 SPDA	12 yrs	85	5.00%	1.00%	87.50%	$1,035	07/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Fixed Account @ 1.20% 1-Year DJIA Quarterly Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap 1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point Cap
Surrender Charges Last 10 Years
Aviva Life & Annuity MultiChoice Advantage -High	10 yrs	78		1.00%	87.50%	$ 967	07/02/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 2.35%
Aviva Life & Annuity MultiChoice Advantage -Low	10 yrs	78		1.00%	87.50%	$ 967	07/02/10	0-75: 7.50+ 76-79: 5.50+ see notes
	Fixed Strategy @ 1.75%
American National Ins. Co. Value Lock 10	10 yrs	80	3.00%	1.75%	90.00%	$1,103	07/01/10	0-75: 10.00 76-80: 8.00
	S&P 500 10 Year Point-to-Point
Amer. Equity Investment Life Ins. Co. 10/10 Gold (Index 6-05)	10 yrs	80	1.20%	3.00%	87.50%		07/20/10	0-75: 6.00+ 76-UP: 4.50+ see notes
	Fixed @ 3.00% 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point 1-Year Lehman Bros. US Aggregate Point-to-Point
Amer. Equity Investment Life Ins. Co. Advantage Gold	10 yrs	80	5.00%	3.00%	84.00%		07/20/10	see notes
	Traditional Fixed Value @ 2.60% 1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average Participation Rate 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 Point-to-Point Cap 1 Year Lehman Brothers U.S. Aggregate Point-to-Point
Amer. Equity Investment Life Ins. Co. Benefit Gold (ICC10 IDX 110*)	10 yrs	(NQ)	5.00%	2.25%	87.50%		07/20/10	0-75: 5.25+ 76-80: 3.94+ see notes
	Fixed @ 2.60% S&P 500 Monthly Average w/Cap S&P 500 Point-to-Point w/Cap S&P 500 Monthly Point-to-Point 10-Year US Treasury Bond w/ Cap
Amer. Equity Investment Life Ins. Co. Millenium Platinum (Index-6-05)	10 yrs	(NQ)		3.00%	87.50%		07/20/10
	Fixed @ 3.00% S&P 500 Monthly Average w/ PR S&P 500 Annual Point-to-Point w/ PR S&P 500 Monthly Point-to-Point Lehman Bros. U.S. Treasury Annual Point-to-Point
Amer. Equity Investment Life Ins. Co. Retirement Gold (RG-FIA-09)	10 yrs	(NQ)	6.00%	2.25%	87.50%		07/20/10	0-78: 5.25+ see notes
	Fixed @ 2.50% S&P 500 Monthly Average w/ Participation S&P500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P500 Point-to-Point w/ Cap S&P500 Monthly Cap
Amer. General Life Ins. Co. AG Global Bonus Index Annuity	10 yrs	80	5.00%	2.00%	100%	$1,280	07/28/10	0-75: 7.00 76-80: 4.50
	Fixed Interest Account @ 2.00% Global Multiple Index Account with Cap Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap
Amer. General Life Ins. Co. Vision Maximizer	10 yrs	75	5.00%	2.00%	90.00%	$1,152	07/28/10	0-75: 8.00+ see notes
	Fixed Interest Account @ 2.00% Monthly Average Account with Index Spread Annual Point-to-Point Account with Cap Annual Point-to-Point Account with Adjustable Participation
American National Ins. Co. ANICO Strategy Indexed Annuity 10	10 yrs	85		1.00%	100%	$1,105	07/01/10	see notes
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
Aviva Life & Annuity MultiChoice Income Elite -Low	10 yrs	78		1.00%	100%	$1,105	07/02/10	0-75: 5.00+ 76-78: 3.00+ see notes
	Fixed Strategy @ 2.55% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Elite -High	10 yrs	78		1.00%	100%	$1,105	07/02/10	0-75: 5.00+ 76-78: 3.00+ see notes
	1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy Fixed Strategy @ 3.35% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Plus -Low	10 yrs	78	5.00%	1.00%	100%	$1,160	07/02/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 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 Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Plus -High	10 yrs	78	5.00%	1.00%	100%	$1,160	07/02/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.35% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Plus S -Low	10 yrs	78	5.00%	1.00%	100%	$1,160	07/02/10	0-75: 6.00+ 76-78: 4.00+ see notes
	Fixed Strategy @ 2.00% 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Plus S -High	10 yrs	78	5.00%	1.00%	100%	$1,160	07/02/10	0-75: 6.00+ 76-78: 4.00+ see notes
	1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Ten -Low	10 yrs	78		1.00%	100%	$1,105	07/02/10	0-75: 7.50+ 76-78: 5.50+ see notes
	Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 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 Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Ten -High	10 yrs	78		1.00%	100%	$1,105	07/02/10	0-75: 7.50+ 76-78: 5.50+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.55% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Xtra -Low	10 yrs	78	8.00%	1.00%	100%	$1,193	07/02/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Average Index Strategy (no spread) 1-Year Multiple Index Strategy (no spread) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Xtra -High	10 yrs	78	8.00%	1.00%	100%	$1,193	07/02/10	0-75: 7.00+ 76-78: 5.00+ see notes
	1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Average Index Strategy (no spread) 1-Year Fixed Strategy @ 2.30% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Multiple Index Strategy (no spread)
Life of the Southwest SecurePlus Accumulator 3	10 yrs	85	3.00%	2.45%	87.50%	$1,148	07/22/10	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.25+ see notes
	Declared Interest Account @ 2.45% Ending Index Account Average Index Account
Life of the Southwest SecurePlus Gold (After 4/21/2006)	10 yrs	85		1.95%	90.00%	$1,092	07/22/10	0-75: 7.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Declared Interest Account @ 2.05% Ending Index Account Average Index Account
Life of the Southwest SecurePlus TLC	10 yrs	80		1.95%	90.00%	$1,092	05/29/10	0-75: 8.00+ 76-80: 6.00+ see notes
	Declared Interest @ 2.35% Average Index Account Ending Index Account
Lincoln Financial Group Lincoln OptiPoint 10 -Low	10 yrs	80	3.00%	1.80%	100%	$1,231	07/01/10	0-75: 7.00+ 76-80: 4.75+ see notes
	Fixed @ 2.35% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
Lincoln Financial Group Lincoln OptiPoint 10 -High	10 yrs	80	4.00%	1.80%	100%	$1,243	07/01/10	0-75: 7.00+ 76-80: 4.75+ see notes
	2-Year Monthly Cap 2-Year Point to Point Performance Triggered Fixed @ 2.35%
RBC Insurance RBC Choice 10 SPDA	10 yrs	85		1.00%	87.50%	$ 967	07/01/10	0-75: 10.00+ 76-80: 8.00+ 81-85: 6.00+ see notes
	1-Year Fixed Account @ 2.25% 1 Year S&P 500 Annual Point to Point Cap 1 Year S&P 500 Monthly Additive Point to Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap
RBC Insurance RBC Enhanced Choice 10 SPDA	10 yrs	85	5.00%	1.00%	87.50%	$1,015	07/01/10	0-75: 7.00+ 76-79: 5.00+ 80-85: 3.00+ see notes
	Fixed Account @ 1.15% 1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account 1-Year DJIA Monthly Average Indexed Account
Reliance Standard Life Keystone 10 Index Annuity	10 yrs	85		1.15%	87.50%	$ 981	07/01/10	0-80: 8.50 81-85: 6.80
	Fixed Interest Strategy @ 2.95% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate

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