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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 DC DE IA LA MA MD MN MO MT NY OR PR UT VI VT WA	0-75: 5.00 76-85: 3.50
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 9 8 7 6 4 2
	Guaranteed Minimum Value:
	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 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 DC DE IA LA MA MD MN MO MT NY OR PR UT VI VT WA	0-75: 5.00 76-85: 3.50
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 9 8 7 6 4 2
	Guaranteed Minimum Value:
	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 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 DC DE IA LA MA MD MN MO MT NY OR PR UT VI VT WA	0-75: 5.00 76-85: 3.50
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 9 8 7 6 4 2
	Guaranteed Minimum Value:
	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 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: 7.50+ 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 Monthly Crediting Annual None     0.75
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: 7.50+ 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 Monthly Crediting Annual None     1.00 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: 7.50+ 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 Monthly Crediting Annual None     1.25

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:		87.5% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 3.10% 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     6.50 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     6.50 S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 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     6.50 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     6.50
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 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:		87.5% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap 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     6.50 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     6.50 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 Fixed Value 1-Year Fixed Rate (no bonus) 3.10% 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     6.50 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     6.50 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   6.65 Average Index Account S&P 500 Point to Point Annual Monthly 55   100.00 Declared Interest Account 1-Year Fixed Rate with Bonus 3.15% +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) 3.30% Average Index Account S&P 500 Point to Point Annual Daily 60   100.00 Ending Index Account S&P 500 Point to Point Annual None 100   7.15
Surrender Charges Last 14 Years
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 FL 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 3.00%  (GMR/1000 $1,456)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Interest Account 1-Year Fixed Rate (no bonus) 2.85% 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     7.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     6.00 2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     100.00 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.65 1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 70
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 MN NY OR PR TX UT VI WA
	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 3.00%  (GMR/1000 $1,403)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.60% 1-Year S&P 500 Point-to-Point w/Cap S&P 500 Point to Point Annual None     5.50 1-Year S&P 500 Daily Average w/ Cap S&P 500 Point to Point Annual Daily     6.00 1-Year S&P 500 Monthly Average w/Participation S&P 500 Point to Point Annual Monthly 65     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.40 2-Year Monthly Average Cap S&P 500 Point to Point Biennial Monthly     20.00
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: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 11.00
	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 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.60% 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.80 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     7.15 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     6.00 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     5.20 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.60 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 4.60 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     6.20 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   5.05 1-Year Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None     3.00 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     5.35 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     4.55 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     5.25 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 4.70
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) 4.85% 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.10 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     10.70 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     10.25 1-Year Annual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.75 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     10.50 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.25 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.00 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.05 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.25
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     11.45 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.35 1-Year Fixed 1-Year Fixed Rate (no bonus) 5.20% 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.45 1-Year Annual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.80 1-Year Annual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.75 1-Year Annual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     10.50 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     11.35 1-Year Annual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     7.00 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     11.10
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) 4.40% 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     9.70 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.85 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     9.15 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     9.40 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.15 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     8.10 1-Year Anual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.25 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     8.10 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.10
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 Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     4.10 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     10.65 1-Year Fixed 1-Year Fixed Rate (no bonus) 4.80% 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.25 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     9.00 1-Year Anual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.75 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     9.00 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.20 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     10.45 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     10.20
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 UT VI WA	0-75: 8.50+ 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) 3.00% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     3.00 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 35     1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 60     1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 25     1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 40     1-Year DJIA Point-to-Point DJIA Point to Point Annual None 35     1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 60     1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 35     1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 25     1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 45     1-Year Lehman Bros. U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None 55     1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 30     1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     2.30
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: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 11.00
	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 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.60% Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 45   100.00 Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 50   5.50 Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20 Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 50   5.50 Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None 50   5.50 Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 60   100.00 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 75   5.50 Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 50   5.50 1 - Year Hindsight Index Strategy Blended Indicies Point to Point Annual None 50   5.50 S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 45   100.00 S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 55   5.50 S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   2.80 S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 60   100.00 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 70   6.50

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