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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 14 Years
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 Point-to-Point 1 Year S&P 500 Point-to-Point with Cap
1-Year Fixed Account @ 2.75% 1 Year S&P 500 Monthly Average with Cap
1 Year Index Gain Option with Declared Rate
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 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
1-Year S&P 500 Point-to-Point with a Cap 3-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 1.90%
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
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 1-Year S&P 500 Point-to-Point with a Cap
3-Year S&P 500 Point-to-Point with a Cap
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 Point-to-Point with a Cap 3-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
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 S&P 400 Annual Daily Average 1-Year NASDAQ-100 Monthly Point-to-Point
1-Year S&P 500 Annual Daily Average 1-Year Russell 2000 Annual Daily Average
1-Year Hindsight Index Strategy 1-Year Dow Jones Annual Daily Average
1-Year Nasdaq-100 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 Point-to-Point
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Fixed @ 1.25% 1-Year Dow Jones EuroStoxx 50 Point-to-Point
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 Russell 2000 Annual Daily Average
1-Year S&P 500 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Dow Jones Annual Point-to-Point 1-Year Fixed @ 2.00%
1-Year S&P 400 Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year S&P 500 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year Dow Jones EuroStoxx 50 Point-to-Point
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 1-Year Dow Jones EuroStoxx 50 Point-to-Point
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
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap
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
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year Annual Point-to-Point S&P 500 1-Year Fixed @ 3.10%
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
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 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Dow Jones Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Point-to-Point Cap
1-Year Fixed @ 2.35% 1-Year S&P 400 Annual Point-to-Point
1-Year Nasdaq-100 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 Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Point-to-Point Cap
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 2.75%
1-Year Nasdaq-100 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Dow Jones Annual Point-to-Point
1-Year Russell 2000 Annual Point-to-Point
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 Russell 2000 Point-to-Point 1-Year S&P 500 Monthly Average
1-Year Nasdaq -100 Monthly Point-to-Point 1-Year Nasdaq 100 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 DJIA Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 400 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 S&P 400 Annual Daily Average 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year Russell 2000 Annual Daily Average 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Hindsight Index
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Fixed @ 1.25% 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
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%
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
Annual Point-to-Point 3 Yr Highwater 2-Year Monthly Average w/ Cap
Monthly Cap Strategy 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
3 Year Monthly Average w/ Spread Annual Point-to-Point 3 Yr Highwater
Monthly Cap Strategy 2-Year Monthly Average w/ Cap
Fixed @ 1.75% Declared Rate on Gain Strategy
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 Hang Seng Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 2.20% 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 500 Monthly Point-to-Point Cap
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 S&P 500 Point-to-Point 1-Year Nasdaq 100 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 500 Monthly Point-to-Point Cap
1-Year Hang Seng Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 1.45%
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%
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%

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