Brokers Alliance, Inc.
16872 E. Avenue of the Fountains, Suite 204
Fountain Hills, AZ 85268

Fixed Annuity Detail Sheet

(800) 290-7226
Plan For Life - Retirement Software
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State
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Rate Gtd
Age
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Showing 1-30 of 176    Display: Print/Save |<  <<   Page 1 of 6   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 15 Years

American Equity Investment Life Insurance Company

Premier Eagle 10 (FPDA-7-08)
Non-Qualified
Owner:80
Annuitant:
Qualified
Owner:80
Annuitant:
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 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IN MN NY OR PA PR TX VI WA
0-75: 6.00+
76-80: 4.50+
Withdrawal Notes: Prem Bonus: 3.00-10.00
Withdrawal Charges 15 years: 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 9.5 5 2.5
Age 76+ (15 years): 15 14 13 12 11 9.5 8 6.5 5 2.5 0 0 0 0 0
Rate Changed: 07/20/10
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.7 3.35 1.76

Life of the Southwest

Retire Four
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 AL GA NJ NV NY OR PA PR UT VI WA WY
0-70: 11.00+
71-75: 9.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 15 years:
12.5 12.5 12.5 12 11 10 9 8 7 6 5 4 3 2 1
Rate Changed: 07/22/10
Guaranteed Minimum Value: 100% of Premium at 1.45% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 3.4 1.45 2.47 1.58
Surrender Charges Last 14 Years

North American Company

North American Flex III
Non-Qualified
Owner:75
Annuitant:
Qualified
Owner:75
Annuitant:
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MA MN NV NY OR PR TX UT VI WA
0-75: 4.50+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 14 years:
18 18 17 15 15 15 15 14 12 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.55 2.00 3.25 2.74
Surrender Charges Last 12 Years

American Equity Investment Life Insurance Company

FPDA-11 (MVA)
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  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 IL MN NY OR PR UT VI WA
0-75: 3.75+
76-80: 2.81+
Withdrawal Notes: Premium Bonus: 6.00
Withdrawal Charges 12 years:
14 14 13 12 11 10 9 8 7 6 4 2
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.50 3.50

American Equity Investment Life Insurance Company

FPDA-10 (MVA)
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  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 CT MN NY OR PR UT VI
0-75: 7.50+
76-80: 5.63+
Withdrawal Notes: Premium Bonus: 2.00
Withdrawal Charges 12 years:
14 13 12.5 12 11.5 11 9.5 8 6.5 5 3.5 2
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.17 3.17

Life of the Southwest

RetireMax FPDA 3 403(b)

High-Band

Non-Qualified
Owner:
Annuitant:
Qualified
Owner:75
Annuitant:75
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  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 AL CT MD 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
Rate Changed: 07/22/10
Guaranteed Minimum Value: 100% of Premium at 1.45% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.3 1.45 2.30 1.52

Life of the Southwest

RetireThree
Non-Qualified
Owner:75
Annuitant:75
Qualified
Owner:75
Annuitant:75
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 AL CT MD NJ NY OR PA PR UT VI WA WY
0-70: 10.00
71-75: 9.00
76-80: 5.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 12 years:
12 11 10 9 8 7 6 5 4 3 2 1
Rate Changed: 07/22/10
Guaranteed Minimum Value: 100% of Premium at 1.45% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.3 1.45 2.30 1.52
Surrender Charges Last 10 Years

American Equity Investment Life Insurance Company

Premier Eagle 12 (FRG-09)
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
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  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE IN MN NV NY OK OR PA PR SC TX UT WA
0-78: 6.00+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 10 years:
12.5 12 12 11 10 9 8 7 6 4
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 3.48 2.12

American Equity Investment Life Insurance Company

FPDA 1
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  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:

OR
0-75: 5.25+
76-80: 3.94+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75
Rate Changed: 07/20/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 5 3.00 3.20 3.20

North American Company

North American Flex II
Non-Qualified
Owner:79
Annuitant:
Qualified
Owner:79
Annuitant:
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MA MN NV NY OR PR TX UT VI WA
0-75: 4.50+
76-79: 3.38+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
15 14 13 12 11 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 2.00 3.00 2.55

RBC Insurance

Value Master SPDA
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 
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 HI MN NJ NY PR VI
0-75: 7.00
76-80: 5.00
81-85: 4.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.00 3.00

Investors Insurance (Legacy)

RateMark 1
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
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 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT KY ME MN NH NJ NY OR PR RI UT VA VI VT WA WI
0-80: 2.25
81-85: 1.13
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years: 12 12 12 11 10 9 8 6 3 1
Ages 76 to 80 (10 years): 11.5 10.5 9.5 8.5 7.5 6 5 4 3 1
Age 81+ (10 years): 11 10 9 8 7 6 5 4 3 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 105% of Premium at 1.05% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.9 1.05 2.90 1.23

Minnesota Life

SecureOption Extra - 3 Year
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
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  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:

MS NY PR VI
0-80: 4.00
81-85: 2.00
86-90: 1.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years: Rate Changed: 08/14/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 3
Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 2% 4.65 2.65 2.85 2.04

North American Company

Boomer Annuity
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MN MS NY OR PA PR TX UT VI WA
0-75: 7.00+
76-79: 5.25+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
15 14 13 12 11 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.35 3.00 2.85 3.44

Aviva Life and Annuity

Income Select Spirit Bonus (1-Year)

Low-Band

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 CT DE MN NJ NY OR PA PR UT VI WA
0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

Aviva Life and Annuity

Income Select Spirit Bonus (1-Year)

High-Band

Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
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 CT DE MN NJ NY OR PA PR UT VI WA
0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

American National Insurance Company

Palladium Century 7
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-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  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:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 9 2.00 2.68 2.68

Transamerica Life

Trans 10 Enhanced Rate Option
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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:

NY VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 11 10 9 8 7 6 5 4 2
Rate Changed: 08/23/10
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Rate
Year 3
Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 2% 4.35 2.35 2.55 1.60

Aviva Life and Annuity

Income Select Spirit Plus

Low-Band

Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
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 

Not
Available in:

AK CT DE MN NJ NY OR PA PR SC TX UT VI WA
0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years: 16 15 14 13 12 11 10 8 6 4
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Aviva Life and Annuity

Income Select Spirit Plus

High-Band

Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
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 CT DE MN NJ NY OR PA PR SC TX UT VI WA
0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years: 16 15 14 13 12 11 10 8 6 4
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Forethought Financial

Secure Bonus 115sm

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  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 CA MO NY OR PR UT VI WA
0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Bonus 115sm

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  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 CA MO NY OR PR UT VI WA
0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Bonus 115sm

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  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 CA MO NY OR PR UT VI WA
0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure 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:

CA MA MN MT NV NY OR PR VA VI WA
0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure 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:

CA MA MN MT NV NY OR PR VA VI WA
0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure 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:

CA MA MN MT NV NY OR PR VA VI WA
0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

American National Insurance Company

Palladium Century 5
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-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  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:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 6 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7 2.00 2.49 2.49

Life of the Southwest

Retire Five
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
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:

MS NJ NV NY OR PA PR UT VI WA
0-70: 6.55+
71-75: 5.15+
76-80: 4.14+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, OH, OK, RI, SC, SD, TN, TX, VA, VT, WA, WI, WY (10 years): 10 9 8 7 6 5 4 3 2 1
For states AK, AL, CA, DE, MN (9 years): 8.25 8.25 7.25 6.25 5 4 3 2 1
Rate Changed: 07/22/10
Guaranteed Minimum Value: 100% of Premium at 1.45% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7 1.45 2.49 1.99

Life of the Southwest

RetireMax Millenium Flex
Non-Qualified
Owner:0
Annuitant:
Qualified
Owner:75
Annuitant:
Non-Qualified
Single:0
Monthly:0
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:

NJ NM NV NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Ages 0 to 58 (10 years): 10 9 8 7 6 5 4 3 2 1
Age 59+ (10 years): 8.25 8.25 7.25 6.25 5 4 3 2 1 0
Rate Changed: 07/22/10
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7 2.49 1.58

Life of the Southwest

RetireMax Millennium Plus
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  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:

NJ NY OR PR VI
0-70: 6.00+
71-75: 4.50+
76-80: 3.50+
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
Ages 0 to 58 in states AL, MN, UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1
Age 59+ in states AL, MN, UT, WA (9 years): 8.25 8.25 7.25 6.25 5 4 3 2 1
Rate Changed: 07/22/10
Guaranteed Minimum Value: 100% of Premium at 1.45% Next Change : TBD
Product Type Rate
Guarant'd
Bonus Rate
First Year
Guarant'd
Min Rate
Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7 1.45 2.49 1.99
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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.

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

"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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