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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Featured Products
Surrender Charges Last 10 Years
Forethought Financial Guaranteed Destinations Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	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 AZ CT DE IA LA MA MD MN MO MT NY OR PR TX UT VI VT WA	0-75: 5.00+ 76-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 9 8 7 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     1.00 Fixed Account Strategy: 1-Year Fixed Rate (no bonus) 2.25% Short-Term Account Strategy 1-Year Fixed Rate (no bonus) 1.50%
Forethought Financial Guaranteed Destinations Mid-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AZ CT DE IA LA MA MD MN MO MT NY OR PR TX UT VI VT WA	0-75: 5.00+ 76-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 9 8 7 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account Strategy: 1-Year Fixed Rate (no bonus) 2.25% Short-Term Account Strategy 1-Year Fixed Rate (no bonus) 1.50% Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     1.00
Forethought Financial Guaranteed Destinations High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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 AZ CT DE IA LA MA MD MN MO MT NY OR PR TX UT VI VT WA	0-75: 5.00+ 76-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 9 8 7 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     1.00 Fixed Account Strategy: 1-Year Fixed Rate (no bonus) 2.25% Short-Term Account Strategy 1-Year Fixed Rate (no bonus) 1.50%
Forethought Financial Income 125 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	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 NV NY OR PR VI WA	0-75: 7.00+ 76-85: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CO, GA, HI, ID, IN, KS, KY, LA, ME, MI, NC, NE, NH, OH, OK, SD, TN, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 4 2 For states DE, MN, SC, UT (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,067)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account Strategy 1-Year Fixed Rate (no bonus) 2.00% Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     2.10
Forethought Financial Income 125 Mid-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK NV NY OR PR VI WA	0-75: 7.00+ 76-85: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CO, GA, HI, ID, IN, KS, KY, LA, ME, MI, NC, NE, NH, OH, OK, SD, TN, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 4 2 For states DE, MN, SC, UT (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,067)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     2.35 Fixed Account Strategy 1-Year Fixed Rate (no bonus) 2.00%
Forethought Financial Income 125 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	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 NV NY OR PR VI WA	0-75: 7.00+ 76-85: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CO, GA, HI, ID, IN, KS, KY, LA, ME, MI, NC, NE, NH, OH, OK, SD, TN, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 4 2 For states DE, MN, SC, UT (10 years): 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,067)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account Strategy 1-Year Fixed Rate (no bonus) 2.00% Monthly Point-to-Point with Cap S&P 500 Point to Point Annual Monthly Sum     2.65

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 Lehman Brothers U.S. Aggregate Annual Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00 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
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 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 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 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 Declared Interest Account 1-Year Fixed Rate with Bonus 2.45% +5.00 Bonus 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
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
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
EquiTrust Life Insurance Company Market Power Bonus Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT DE MN NY OR PR TX UT VI WA	0-80: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (14 years): 20 20 19 19 18 17 16 14 12 10 8 6 4 2 For states IL (10 years): 17 16 15 15 14 13 12 11 10 9.5 For states AK (10 years): 17 15 14 12 10 9 7 4 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,106)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     5.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00 2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     12.00 1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 40     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00
EquiTrust Life Insurance Company MarketTwelve Bonus	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	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 DE FL MN NY OR PR TX UT VI WA	0-80: 9.00
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 14 years:		20 20 19 19 18 17 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,066)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.50% 1-Year S&P 500 Point-to-Point w/Cap S&P 500 Point to Point Annual None     4.00 1-Year S&P 500 Daily Average w/ Cap S&P 500 Point to Point Annual Daily     4.00 1-Year S&P 500 Monthly Average w/Participation S&P 500 Point to Point Annual Monthly 30     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75 2-Year Monthly Average Cap S&P 500 Point to Point Biennial Monthly     12.00
North American Company Charter 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-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 OR PR UT VI WA	0-75: 7.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.15% 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.20 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     4.50 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.15 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 3.70 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.10 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     4.30 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   4.00 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     3.90 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     3.80 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     3.45 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     3.90 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 3.85
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-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 MT NV NY OR PA PR UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.55% 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.15 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     7.15 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     7.05 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     7.05 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     6.45 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     6.45 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     6.70 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     6.85
North American Company Freedom Choice (5%) 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-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 MT NV NY OR PA PR UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.90 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.50 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.90% 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     7.60 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     7.40 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     7.20 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.15 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     7.85 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     7.90
North American Company Freedom Choice 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-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 MT NV NY OR PA PR UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.15% 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     6.05 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     6.05 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     5.60 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     2.80 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     5.80 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     5.90 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     6.25 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.00
North American Company Freedom Choice 14 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  Yes-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 MT NV NY OR PA PR UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.55% 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.25 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.10 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     6.80 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     6.65 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.00 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     6.45 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     7.00 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     7.00
North American Company North American Prizm Plus 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 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  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 PR TX UT VI WA	0-75: 7.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.15% 1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 20     1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 25     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.20 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 40     1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 15     1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 30     1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 20     1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     2.10 1-Year DJIA Point-to-Point DJIA Point to Point Annual None 25     1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 40     1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 25
North American Company Precision 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-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 OR PR UT VI WA	0-75: 7.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.15% Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 35   5.00 Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 45   5.00 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 40   5.00 Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.10 Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 30   5.00 Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 25   5.00 Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 25   5.00 1 - Year Hindsight Index Strategy Blended Indicies Point to Point Annual None 25   5.00 S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   2.20 S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 40   5.50 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 35   5.50 S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 30   5.00 S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 30   5.00
Surrender Charges Last 12 Years
American Equity Investment Life Insurance Company Bonus 5 (INDEX-3-07-WA)	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: WA	0-57: 6.00+ 58-80: 4.00+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 12 years: 12 12 11 10 9 8 7 6 5 4 3 2 Age 57+ (12 years): 8.25 8.25 7.25 6.25 5.25 4.25 3 2 1 0.5 0 0
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap 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 S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 Fixed 1-Year Fixed Rate (no bonus) 2.70%
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     8.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
Great American Life Insurance Company American Valor II	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 20,000 Monthly: 20,000	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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT NY PR VI	Qualified 18-75: 6.00+ 76-80: 4.50+ 81-85: 2.50+ Non-Qual 0-75: 6.00+ 76-80: 4.50+ 81-UP: 2.50+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Age 58+ (10 years): 10 9 8 7 6 5 4 3 2 1 Ages 0 to 57 (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00-2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 100   5.25 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     5.75 Declared Rate Strategy 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% 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 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
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: 4.00 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) 2.10% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45
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: 4.00 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) 2.10% 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 Performance Triggered S&P 500 Perf Trig Annual None
OM Financial (Legacy) AmeriMark Freedom	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 3,000 Monthly: 3,000	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  No- 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 MA MN NY OR PR TX UT VI VT WA	0-80: 9.00 81-85: 4.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		13.5 12.5 11.5 10.5 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $986)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.90% Annual Point-to-Point 3 Yr Highwater S&P 500 Point to Point Annual None 100 0.00 7.00 Annual Point-to-Point S&P 500 Point to Point Annual None 100 0.00 4.50 Monthly Cap Strategy S&P 500 Point to Point Annual Monthly Sum 100 0.00 1.50 2-Year Monthly Average w/ Cap S&P 500 Point to Point Biennial Monthly     11.00
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 1.05% +1.00 Bonus 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum 100 0.00 2.00 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 1.50 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 4.00

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