Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Featured Products
Surrender Charges Last 7 Years
Reliance Standard Life Keystone 7 Index Annuity	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL MN MT NY OR PR VI	0-80: 5.00 81-85: 4.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		87.5% of Premium at 1.15%  (GMR/1000 $948)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Strategy 1-Year Fixed Rate (no bonus) 2.85% 1-Year Point-to-Point - Capped S&P 500 Point to Point Annual None     5.00 1-Year Point-to-Point - Participation Rate S&P 500 Point to Point Annual None 30     1-Year Monthly Average - Capped S&P 500 Point to Point Annual Monthly     5.50 1-Year Monthly Average - Participation Rate S&P 500 Point to Point Annual Monthly 30
Surrender Charges Last 5 Years
Reliance Standard Life Keystone 5 Index Annuity	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL MN MT NY OR PR VI	0-80: 4.00 81-85: 3.20
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5
	Guaranteed Minimum Value:		87.5% of Premium at 1.15%  (GMR/1000 $926)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Strategy 1-Year Fixed Rate (no bonus) 2.75% 1-Year Monthly Average - Participation Rate S&P 500 Point to Point Annual Monthly 25     1-Year Point-to-Point - Capped S&P 500 Point to Point Annual None     5.50 1-Year Point-to-Point - Participation Rate S&P 500 Point to Point Annual None 25     1-Year Monthly Average - Capped S&P 500 Point to Point Annual Monthly     4.50

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 17 Years
American Equity Investment Life Insurance Company Bonus Gold (Index-1-05 & Index-7-05-OK)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OK	0-75: 8.20+ 76-80: 6.15+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states DE (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2 For states OK (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2 Age 79+ in states OK (17 years): 20 19.5 19 18.5 18 17 16 15 13.5 12 10 8 6 4 2 0 0
	Guaranteed Minimum Value:		84% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 3.30% S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 S&P 500 Monthly Average w/ PR S&P 500 Point to Point Annual Monthly 35     S&P 500 Monthly Average w/ CAP S&P 500 Point to Point Annual Monthly     5.75 S&P 500 Annual Point-to-Point w/ PR S&P 500 Point to Point Annual None 25     S&P 500 Annual Point-to-Point w/ CAP S&P 500 Point to Point Annual None     5.75 Dow Jones Annual Monthly Average DJIA Point to Point Annual Monthly     5.75 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.75 Lehman Brothers U.S. Aggregate Annual Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
Surrender Charges Last 16 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OK OR PR TX UT VI WA	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 16 years:		20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		84% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Value 1-Year Fixed Rate (no bonus) 2.70% 1-Year S&P 500 Point-to-Point PR S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35     1-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Annual Monthly     5.75 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.75 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     5.75 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     5.75 1-Year Lehman U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
Surrender Charges Last 15 Years
Life of the Southwest SecurePlus Accumulator 5	Non-Qualified Owner: 65 Annuitant: 65 Qualified Owner: 65 Annuitant: 65	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL CT GA IL MN NJ NY OR PA PR UT VI WA	0-70: 7.00+ 71-75: 6.00+ 76-80: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 15 years:		14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.45%  (GMR/1000 $1,321)
	Account Name Indicie Type Reset Averaging Part Spread Cap Ending Index Account S&P 500 Point to Point Annual None 100   5.00 Average Index Account S&P 500 Point to Point Annual Monthly 40   100.00 Declared Interest Account 1-Year Fixed Rate with Bonus 2.45% +5.00 Bonus
Life of the Southwest SecurePlus Platinum	Non-Qualified Owner: 62 Annuitant: 62 Qualified Owner: 62 Annuitant: 62	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT NJ NY OR PR VI WA	0-70: 10.00+ 71-75: 9.00+ 76-80: 8.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 15 years:		14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.45%  (GMR/1000 $1,258)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Interest Account 1-Year Fixed Rate (no bonus) 2.50% Average Index Account S&P 500 Point to Point Annual Daily 40   100.00 Ending Index Account S&P 500 Point to Point Annual None 100   5.60
National Western Life Liberty Champion	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: WY	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qual 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 15 years:		20 20 20 20 20 20 18 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.25% Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60 Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 75 0.75
National Western Life NWL Ultra Future	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE IL IN MA MN MS NJ NY OR PA UT WA	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qual 0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 4.75-10.00
	Withdrawal Charges 15 years:		19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,203)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 2.90% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 75 0.25   Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.75
Surrender Charges Last 14 Years
American Equity Investment Life Insurance Company Retirement Gold (02-09)	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NV NY OR PA PR SC UT VI WA	0-78: 6.00+ see notes
	Withdrawal Notes:			Prem Bonus: 5.00-10.00
	Withdrawal Charges 14 years:		12.5 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.25%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.50% S&P 500 Monthly Average w/ Participation S&P 500 Point to Point Annual None 30     S&P 500 Monthly Average w/ Cap S&P 500 Point to Point Annual Monthly     5.25 S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     S&P 500 Point-to-Point w/ Cap S&P 500 Point to Point Annual None     5.25 S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.40
National Western Life NWL Ultra Benefit	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE FL IL IN MA MN MS NJ NY OR PA UT WA	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qual 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 14 years:		16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.85% Option A: Monthly Average Annual Reset S&P 500 Point to Point Annual Monthly 65 0.75   Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     1.60
Surrender Charges Last 13 Years
National Western Life NWL Ultra Classic	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE IL IN MA MN MS NJ NY OR PA UT WA	Qualified 0-70: 12.00+ 71-75: 10.00+ 76-80: 9.00+ Non-Qual 0-75: 12.00+ 76-80: 10.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 13 years:		15 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,062)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 3.25% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 75 0.25   Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     1.60
Surrender Charges Last 12 Years
American Equity Investment Life Insurance Company Income Gold (Index 3-07)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL CT DE MN NY OR PR TX UT VI WA	0-75: 5.63+ 76-80: 4.22+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		15 14 13 12 11 10 8.5 7 5.5 4 2.5 1
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35     1-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Annual Monthly     5.75 1-Year S&P 500 Point-to-Point PR S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.75 Fixed Account 1-Year Fixed Rate (no bonus) 2.70% 1-Year Lehman U.S. Aggregate Point-to-Point Cap LB US Aggregate Bond Point to Point Annual None     4.00 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     5.75 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     5.75
American General Life Insurance Company AG HorizonIndex Annuity 12	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT MN NJ NY OK OR PR TX UT VI VT WA	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,198)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     2.20 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     9.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
Life of the Southwest SecurePlus Elite	Non-Qualified Owner: Annuitant: Qualified Owner: 70 Annuitant: 70	Non-Qualified Single: 3,000 Monthly: 3,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT IL MA ME MN NJ NY OR PA PR UT VI WA WY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.95%  (GMR/1000 $1,135)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Interest Account 1-Year Fixed Rate (no bonus) 2.10% Average Index Account S&P 500 Point to Point Annual Daily 35   100.00 Ending Index Account S&P 500 Point to Point Annual None 100   4.60
Life of the Southwest SecurePlus Premier 8	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT IN MT NJ NV NY OR PR UT VI WA	0-75: 8.00+ 76-80: 5.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 12 years:		10 10 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.95%  (GMR/1000 $1,169)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Fixed Account 1-Year Fixed Rate (no bonus) 1.95% S&P 500 Ending Index Rate Option 1 S&P 500 Point to Point Annual None 100   3.75 S&P 500 Ending Index Rate Option 2 S&P 500 Point to Point Annual None 50   3.95 1-Year S&P 500 Average S&P 500 Point to Point Annual Daily 30     Russell 2000 Ending Index Rate Option 1 Russell 2000 Point to Point Annual None 100   3.75 Russell 2000 Ending Index Rate Option 2 Russell 2000 Point to Point Annual None 50   3.95
Lincoln Financial Group Lincoln OptiPoint 12 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,319)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.35% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Point to Point S&P 500 Point to Point Biennial None     9.35 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     3.40
Lincoln Financial Group Lincoln OptiPoint 12 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.35% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     3.40 2-Year Point to Point S&P 500 Point to Point Biennial None     9.35 Performance Triggered S&P 500 Perf Trig Annual None
National Western Life Liberty Challenge	Non-Qualified Owner: 99 Annuitant: 85 Qualified Owner: 99 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL PR WY	Qualified 0-70: 9.00+ 71-75: 8.00+ Non-Qual 0-70: 9.00+ 71-80: 8.00+ 81-85: 6.25+ see notes
	Withdrawal Notes:			Premium Bonus: 2.00
	Withdrawal Charges 12 years:		15 15 15 15 15 15 15 15 12 9 6 3
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.25% Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60 Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 75 0.75
RBC Insurance RBC Enhanced Choice 12 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE HI MN NJ NY OK OR PA PR TX UT VI WA	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (12 years): 14 13 12 11 10 9 8 7 6 5 4 3 For states CA (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.20% +1.00 Bonus 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum 100 0.00 2.50 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 2.00 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 4.50

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