The Bollinger Group Annuity Detail Sheet for MYG Annuities 800-503-1633
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age

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Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States
Featured Products
Surrender Charges Last 10 Years

American National Insurance Company

Palladium MYG Annuity 8

High-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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-8 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 2.65 1.00-1.50 2.65 2.65

American National Insurance Company

Palladium MYG Annuity 8

Low-Band
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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-8 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
8 Year MYGA 8 Years none 2.55 1.00-1.50 2.55 2.55
Surrender Charges Last 7 Years

American Equity Investment Life Insurance Company

Guarantee 7 (SPDA-MYGA) MVA
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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK AL CA DE MN MO NV NY OR PA PR VI WA
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 9 8 7 6 5 4 3
For states IN, MS (7 years): 8.25 7.25 6.5 5.5 4.5 3.75 2.75
Rate Changed: 02/07/12
Guaranteed Minimum Value: 87.5% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-7 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA 7 Years none 2.7 2.00 2.70 2.70

American Equity Investment Life Insurance Company

Guarantee 7 (SPDA-MYGA)
Non-Qualified
Owner:80
Annuitant:
Qualified
Owner:80
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

CA DE MN PA
Withdrawal Notes: No Premium Bonus
For states DE, MN, PA (7 years): 9 8 7 6 5 4 3
For states CA (7 years): 8.25 7.25 6.5 5.5 4.5 3.75 2.75
Rate Changed: 02/07/12
Guaranteed Minimum Value: 87.5% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-7 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA 7 Years none 2.2 2.00 2.20 2.20
Surrender Charges Last 5 Years

American Equity Investment Life Insurance Company

Guarantee 5 (SPDA-MYGA) MVA
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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK AL CA DE MN MO NV NY PA PR VI WA
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (5 years): 9 8 7 6 5
For states WA (5 years): 9 8.25 7.25 6.5 5.5
For states IN, MS (5 years): 8.25 7.25 6.5 5.5 4.5
Rate Changed: 02/07/12
Guaranteed Minimum Value: 87.5% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 2.6 2.00 2.60 2.60

Fidelity & Guaranty Life

FG Guarantee-Plus 5
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

MN NY OR PR VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 5 years:
9 8 7 6 5
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA with Bonus 5 Years 1% 3.15 2.15 2.35 2.35

American Equity Investment Life Insurance Company

Guarantee 5 (SPDA-MYGA)
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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

CA DE MN PA WA
Withdrawal Notes: No Premium Bonus
For states DE, MN, PA (5 years): 9 8 7 6 5
For states CA (5 years): 8.25 7.25 6.5 5.5 4.5
Rate Changed: 02/07/12
Guaranteed Minimum Value: 87.5% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 2.1 2.00 2.10 2.10
Surrender Charges Last 4 Years

Principal Financial Group

Principal Secure Fixed Annuity 4-Year Guarantee

High-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

PR VI
Withdrawal Notes: Premium Bonus: 1.40
Withdrawal Charges 4 years:
7 6 6 5
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-4 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
4 Year MYGA 4 Years none 1.2 1.00 1.55 1.55

Principal Financial Group

Principal Secure Fixed Annuity 4-Year Guarantee

Mid-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:50,000
Monthly:50,000
Qualified
Single:50,000
Monthly:50,000
Yes-Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 4 years:
7 6 6 5
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-4 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
4 Year MYGA 4 Years none 1.1 1.00 1.10 1.10

Principal Financial Group

Principal Secure Fixed Annuity 4-Year Guarantee

Low-Band
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
Yes-Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 4 years:
7 6 6 5
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-4 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
4 Year MYGA 4 Years none 1 1.00 1.00 1.00
Surrender Charges Last 3 Years

Principal Financial Group

Select Series 3

High-Band
Non-Qualified
Owner:85
Annuitant:0
Qualified
Owner:85
Annuitant:0
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

DE MN MO PA PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 3 years:
7 7 7
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
3 Year MYGA 3 Years none 1.15 1.00 1.15 1.15

Principal Financial Group

Select Series 3

Low-Band
Non-Qualified
Owner:85
Annuitant:0
Qualified
Owner:85
Annuitant:0
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

DE MN MO PA PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 3 years:
7 7 7
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-3 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
3 Year MYGA 3 Years none 1 1.00 1.00 1.00

Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States
Surrender Charges Last 10 Years

North American Company

Guarantee Choice 10

High-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:200,000
Monthly:200,000
Qualified
Single:200,000
Monthly:200,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK DE MN MO NY OR PR UT VA VI WA
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2
For states CA (10 years): 10 10 9 9 8 8 7 7 6 6
For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75
For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5
Rate Changed: 01/19/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.4 1.00 3.40 3.40

North American Company

Guarantee Choice 10

Low-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK DE MN MO NY OR PR UT VA VI WA
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, DC, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VT, WI, WV, WY (10 years): 10 10 10 10 10 9 8 6 4 2
For states CA (10 years): 10 10 9 9 8 8 7 7 6 6
For states FL, IL (10 years): 9 8 7 6 5 4 3 2 1 0.75
For states TX (10 years): 8 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0.5
Rate Changed: 01/19/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.25 1.00 3.25 3.25

American National Insurance Company

Palladium MYG Annuity 9

High-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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 9 		Yield to SurrenderTM
Current Guarant'd
9 Year MYGA with Bonus 9 Years 2% 4.45 2.45 2.67 2.67

American National Insurance Company

Palladium MYG Annuity 10

High-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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.55 2.55 2.65 2.65

American National Life Insurance Company of NY

Palladium MYG 10

High-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
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.55 2.55 2.65 2.65

American National Insurance Company

Palladium MYG Annuity 9

Low-Band
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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 9 		Yield to SurrenderTM
Current Guarant'd
9 Year MYGA with Bonus 9 Years 2% 4.35 2.35 2.57 2.57

American National Insurance Company

Palladium MYG Annuity 10

Low-Band
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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.45 2.45 2.55 2.55

American National Life Insurance Company of NY

Palladium MYG 10

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3.45 2.45 2.55 2.55

Lincoln Financial Group

Lincoln MYGuaranteesm Plus 10

High-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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

MN MO NY VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.45 1.00 2.45 2.45

Lincoln Life & Annuity of New York

Lincoln MYGuaranteesm Plus 10

High-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- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 6 5 4 3 2 1 0 0 0
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.45 1.00 2.45 2.45

American General Life Insurance Company

AG HorizonSelect 10
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- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK DE MN MO NJ NV NY OH OR PA PR SC TX UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 90% of Premium at 1.00-2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.35 1.00-2.00 2.35 2.35

Lincoln Financial Group

Lincoln MYGuaranteesm Plus 10

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

MN MO NY VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 7 6 5 4 3 2
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.3 1.00 2.30 2.30

Lincoln Life & Annuity of New York

Lincoln MYGuaranteesm Plus 10

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

NY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
7 6 5 4 3 2 1 0 0 0
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2.3 1.00 2.30 2.30

American National Insurance Company

Palladium MYG Annuity 7

High-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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 7 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA with Bonus 7 Years 1% 3.15 2.15 2.29 2.29

American National Life Insurance Company of NY

Palladium MYG 7

High-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
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

NY
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 7 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA with Bonus 7 Years 1% 3.15 2.15 2.29 2.29
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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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