Fixed Indexed Annuities

State

Premium

Qual

Flex?

Rating

Company

SC yrs

Age

Comm
%

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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 12 Years

Life of the Southwest
SecurePlus Premier 8

12 yrs

3.00

1.95%

90.00%

$1,169

08/29/11

0-75: 8.00
76-80: 5.00
81-85: 4.00

see notes

S&P 500 Ending Index Rate Option 2	Russell 2000 Ending Index Rate Option 1
Declared Fixed Account @ 1.95%	S&P 500 Ending Index Rate Option 1
1-Year S&P 500 Average	Russell 2000 Ending Index Rate Option 2

Surrender Charges Last 10 Years

Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra

10 yrs

1.00-1.75%

100%

$1,189

02/01/12

0-75: 7.00
76-90: 5.50

see notes

Index 10 Year Treasury @ 1.75%	Guaranteed One Year Current Market @ 1.35%
Index Corporate Bond @ 2.84%	Guaranteed One Year @ 2.35%

Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low

10 yrs

6.00
to 8.00

1.00%

87.50%

$1,044

01/06/12

0-75: 7.00+
76-78: 5.00+

see notes

Fixed Strategy @ 1.00%	1-Year Point-to-Point Index Strategy
1-Year Monthly Cap Index Strategy	1-Year Average Index Strategy

Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High

10 yrs

6.00
to 8.00

1.00%

87.50%

$1,044

01/06/12

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 Average Index Strategy	Fixed Strategy @ 1.55%

Life of the Southwest
SecurePlus Premier 10

10 yrs

(NQ)

1.00%

87.50%

$ 967

08/29/11

Call

S&P 500 Ending Index Rate Option 2	Russell 2000 Ending Index Rate Option 1
Declared Fixed Account @ 2.45%	S&P 500 Ending Index Rate Option 1
1-Year S&P 500 Average	Russell 2000 Ending Index Rate Option 2

Surrender Charges Last 9 Years

Fidelity & Guaranty Life
FG Index-Choice 9

9 yrs

3.00

1.00-1.10%

103.00%

$1,171

02/02/12

0-79: 9.00+
80-85: 4.50+

see notes

1-Year S&P 500 Monthly Point-to-Point	3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Annual Point-to-Point	2-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average	Fixed Account @ 1.50%

Surrender Charges Last 6 Years

Aviva Life & Annuity (Income Series)
Income Preferred Six -Low

6 yrs

1.00%

87.50%

$ 929

01/06/12

0-75: 5.00+
76-80: 3.50+

see notes

1-Year Average Index Strategy	Fixed Strategy @ 1.00%
1-Year Point-to-Point Index Strategy	1-Year Monthly Cap Index Strategy

Aviva Life & Annuity (Income Series)
Income Preferred Six -High

6 yrs

1.00%

87.50%

$ 929

01/06/12

0-75: 5.00+
76-80: 3.50+

see notes

1-Year Average Index Strategy	Fixed Strategy @ 1.30%
1-Year Point-to-Point Index Strategy	1-Year Monthly Cap Index Strategy

Surrender Charges Last 5 Years

The Standard
Index Growth Annuity 5 -Low

5 yrs

1.00%

100%

$1,051

01/01/12

0-80: 4.00
81-85: 2.25
86-90: 1.85

see notes

Fixed Interest Account @ 1.70%

1-Year S&P 500 Annual Point-to-Point

The Standard
Index Growth Annuity 5 -High

5 yrs

1.00%

100%

$1,051

01/01/12

0-80: 4.00
81-85: 2.25
86-90: 1.85

see notes

1-Year S&P 500 Annual Point-to-Point

Fixed Interest Account @ 1.70%

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) DE

17 yrs

(NQ)

10.00

1.50%

80.00%

10/08/11

0-75: 6.00+
76-80: 4.50+

see notes

1-Year S&P 500 Point-to-Point Cap	1-Year Dow Jones Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation Rate	10 Year U.S. Treasury Bond Value with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate	1-Year Dow Jones Monthly Average Cap
Traditional Fixed Value @ 2.25%	1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap

Surrender Charges Last 16 Years

Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)

16 yrs

(NQ)

10.00

1.50%

80.00%

10/08/11

0-75: 6.00+
76-80: 4.50+

see notes

10 Year U.S. Treasury Bond Value with Cap	1-Year Dow Jones Monthly Average Cap
1-Year Dow Jones Point-to-Point Cap	1 Year S&P 500 Annual Point-to-Point Participation Rate
Traditional Fixed Value @ 1.75%	1 Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Point-to-Point Cap	1 Year S&P 500 Monthly Average Participation Rate
1-Year S&P 500 Monthly Point-to-Point

Surrender Charges Last 15 Years

Life of the Southwest
SecurePlus Accumulator 5

15 yrs

5.00

1.00%

87.50%

$1,067

01/29/12

see notes

Declared Interest Account @ 2.45%	Average Index Account
Ending Index Account

Life of the Southwest
SecurePlus Platinum (after 3/21/06)

15 yrs

1.00%

87.50%

$1,016

11/22/11

Call

Declared Interest Account @ 2.25%	Ending Index Account
Average Index Account

National Western Life
NWL Ultra Future

15 yrs

55 (NQ)

4.75
to 10.00

1.00%

87.50%

$1,117

08/18/11

Qualified

0-70: 5.00+
71-75: 1.50+
76-80: 0.25+

Non-Qualified

0-75: 5.00+
76-80: 3.00+

see notes

Option B: Fixed Account @ 1.90%	Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset

Surrender Charges Last 14 Years

Fidelity & Guaranty Life
Prosperity Elite 14

14 yrs

(NQ)

1.00%

87.50%

$1,006

02/02/12

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 @ 2.50%

Fidelity & Guaranty Life
Prosperity Elite 14 Enhanced

14 yrs

(NQ)

6.00

1.00%

87.50%

$1,066

02/02/12

0-79: 8.00
80-85: 4.00

Fixed Account @ 2.50%	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

02/02/12

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 @ 2.50%	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 (TX)

14 yrs

1.00%

87.50%

$1,006

01/19/12

see notes

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 S&P 500 Annual Point-to-Point
1-Year Russell 2000 Annual Daily Average	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 Russell 2000 Annual Point-to-Point	1-Year S&P 500 Annual Daily Average
1-Year Dow Jones Annual Daily Average	1-Year Dow Jones EuroStoxx 50 Point-to-Point

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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