The Bollinger Group Annuity Search Engine Detail Sheet Indexed Annuities 800-503-1633

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Flex? Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Amer. National Life Ins. Co. of NY Aviva Life & Annuity (Income Series) Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York North American Company Phoenix Life Insurance Co. Principal Financial Group Symetra Life Insurance Co. United States Life Ins. Co. (NY) SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age More Search Options Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States
Featured Products
Surrender Charges Last 16 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07)	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NV NY OK OR PR TX UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	Ages 0 to 76 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Ages 0 to 76 in states IN (16 years): 20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2 Age 77+ in states IN (16 years): 17.5 16.5 15.5 15 14 13 12.5 11.5 10.5 10 9 7.5 6 4.5 3 1.5
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.75% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80
Surrender Charges Last 14 Years
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     5.45 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.80 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.05% 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     5.80 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     5.55 1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.75 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     5.40 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.80 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.00
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     6.65 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.30 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     6.20 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     7.75 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     6.55 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.35% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     6.25 1 -Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     3.05 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     6.15
Surrender Charges Last 10 Years
Allianz MasterDex X has been a top selling Annuity for almost 2 years
Allianz Life Insurance Company of North America MasterDex X Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  Yes-Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Waiver  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: CT NY PR VI
	Withdrawal Notes:			Premium Bonus: 6.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1 For states IN, MN, MS, OR (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91
	Guaranteed Minimum Value:		87.5% of Premium at 1.95-2.05%  (GMR/1000 $1,136)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year Euro STOXX 50 Monthly Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum     1.90 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.60% 1 Year S&P 500 SELECT Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.30 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     3.25 1 Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     3.00 1 Year S&P 500 SELECT Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.00 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   4.50   1 Year Euro STOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None     3.25 1 Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.80
American Equity Investment Life Insurance Company Retirement Gold (INDEX-4-10-FL)	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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: FL
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years: 12.5 12 11 10 9 8 6 5 3 2 Age 65+ (10 years): 10 10 10 9 8 7 6 5 3.5 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 15     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 15     1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.00 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.00 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.60 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.60%
Lincoln Financial Group Lincoln OptiPoint 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK MN NY OR UT
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 1.00% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.25 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None
Lincoln Financial Group Lincoln OptiPoint 10 Low-Band	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK MN NY OR UT
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,149)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.25 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None       Fixed Account 1-Year Fixed Rate (no bonus) 1.00% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00
North American Company North American Paramount Choice Ten	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NV NY OR PR TX UT WA
	Withdrawal Notes:			Premium Bonus: 7.00
	For states AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): 9 9 8 7 6 5 4 3 2 1 For states CA (10 years): 9 9 8 7 6 5 4 3 2 2 For states IN (10 years): 8 8 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,182)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.20 1-Year Dow Jones Industrial Annual Point-to-Point DJIA Point to Point Annual None     2.00 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     2.00 1-Year S&P 500 Monthly Averaging S&P 500 Point to Point Annual Monthly     2.15 1-Year S&P 400 Monthly Averaging S&P 400 Point to Point Annual Monthly     2.00 1-Year Fixed 1-Year Fixed Rate (no bonus) 1.10% 1-Year DJ EuroSTOXX 50 Annual Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     2.10 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     2.00 1-Year Nasdaq100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.10 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     2.00 1-Year Dow Jones Industrial Monthly Averaging DJIA Point to Point Annual Monthly     2.05 1-Year Nasdaq 100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     2.00 1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly     2.00
North American Company North American Ten	Non-Qualified Owner: 79 Annuitant: 79 Qualified Owner: 79 Annuitant: 79	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 AL CT DE MN NV NY OR PR TX UT VI WA
	Withdrawal Notes:			Premium Bonus: 7.00
	For states AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (10 years): 18 16 14 12 11 10 8 6 4 2 For states CA (10 years): 18 15 14 14 13 13 12 12 11 11
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,182)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Nasdaq 100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     2.00 1-Year Dow Jones Monthly Average DJIA Point to Point Annual Monthly     2.15 1-Year Russell 2000 Monthly Average Russell 2000 Point to Point Annual Monthly     2.00 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     2.00 1-Year Nasdaq 100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.15 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     2.00 1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly     2.20 1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly     2.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     2.00 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     2.05 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     2.20 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.25 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 1.15% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     2.00
Phoenix Life Insurance Company Phoenix Personal Income Annuity	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AL AR AZ CA CO DC GA HI ID IL KS LA MA MI MT ND NE NM RI SC SD TN VT WI WV WY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 0.85% 1-Year S&P 500 S&P 500 Point to Point Annual None     1.50 1-Year DJIA DJIA Point to Point Annual None     1.00 1-Year Balanced Allocation Blended Indicies Point to Point Annual None     1.00 Monthly S&P 500 S&P 500 Point to Point Annual Monthly Sum     1.00 2-Year S&P500 S&P 500 Point to Point Biennial None     4.50 1-Year Euro Stoxx 50 DJ EuroStoxx 50 Point to Point Annual None     1.00
Surrender Charges Last 9 Years
Lincoln Financial Group Lincoln OptiChoice 9 Low-Band	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,094)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 1.15% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.50 Performance Triggered S&P 500 Perf Trig Annual None       1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00
Lincoln Financial Group Lincoln OptiChoice 9 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,094)
	Account Name Indicie Type Reset Averaging Part Spread Cap Performance Triggered S&P 500 Perf Trig Annual None       1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   Fixed Account 1-Year Fixed Rate (no bonus) 1.30% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.60
Surrender Charges Last 5 Years
American Equity Investment Life Insurance Company Heritage Gold (ICC11-IDX2)	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	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: AL CA CT MT NJ NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		8 7 6 5 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 Point-to-Point S&P 500 Point to Point Annual None     1.00 Fixed 1-Year Fixed Rate (no bonus) 1.00%

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States
Surrender Charges Last 17 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-05) DE	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: DE
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 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
	Guaranteed Minimum Value:		80% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     3.25 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     3.25 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 20     10 Year U.S. Treasury Bond Value with Cap 10 Year US Treasury Point to Point Annual None     3.25 1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 20     1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     3.25 Traditional Fixed Value 1-Year Fixed Rate (no bonus) 2.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.25
Surrender Charges Last 14 Years
Fidelity & Guaranty Life FG AccumulatorPlus 14	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  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT MA MN MS NC NH NV NY OK OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.90 1 Year S&P 500 Point-to-Point with Cap S&P 500 Point to Point Annual None     6.00 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 3.00% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     6.25 1 Year Index Gain Option with Declared Rate S&P 500 Perf Trig Annual None
Fidelity & Guaranty Life Prosperity Elite 14	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  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00 Fixed Account 1-Year Fixed Rate (no bonus) 2.50%
Fidelity & Guaranty Life Prosperity Elite 14 Enhanced	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  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 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 Account 1-Year Fixed Rate (no bonus) 2.50% 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00
Fidelity & Guaranty Life Prosperity Elite 14 Protection	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  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA
	Withdrawal Notes:			Premium Bonus: 9.00
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,096)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00 Fixed Account 1-Year Fixed Rate (no bonus) 2.50% 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50
North American Company Charter 14	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	For states 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, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2 For states TX (14 years): 15 15 15 14 13 12 11 10 9 8.5 8 7 6 5
	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 S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     2.75 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.50 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     3.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     2.35 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     2.60 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     3.00 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     2.50 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.60 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     2.55 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     2.75 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     2.50 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   2.65 1-Year Fixed 1-Year Fixed Rate (no bonus) 1.50% 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     3.05
North American Company Charter 14 (TX)	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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: TX
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     4.00 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.60 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     1.50 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.00 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     4.00 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.00 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     4.00 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     4.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     3.00 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.00 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     4.00 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     4.00 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     4.70 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.70 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.00 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.80 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.00 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.05 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.70% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     4.85 1-Year Nasdaq-100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.55
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN MT NV NY OR PA PR TX UT VA VI VT WA
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, WI, WV, WY (14 years): 9 9 9 9 8 8 7 7 6 6 5 4 3 2 For states TX (14 years): 9 9 9 9 8 8 7 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     7.05 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     6.00 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None     5.70 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.10% 1-Year Nasdaq-100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.80 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None     5.55 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.05 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     6.00 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     5.65
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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	For states 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, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2 For states IL (14 years): 18 18 17 15 15 15 14 13 12 10 8 6 4 2
	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 Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 15     1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 30     1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     1.50 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 15     1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 35     1-Year Fixed 1-Year Fixed Rate (no bonus) 1.50% 1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 25     1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 20     1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 20     1-Year DJIA Point-to-Point DJIA Point to Point Annual None 20     1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 20     1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 15     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.50
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MN NV NY OR PR TX UT VI WA
	Withdrawal Notes:			Prem Bonus: 10.00
	For states 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, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (14 years): 18 18 17 15 15 15 15 14 12 10 8 6 4 2 For states TX (14 years): 15 15 15 14 13 12 11 10 9 8.5 8 7 6 5
	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 Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 65   3.25 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 35     1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 25     1-Year NASDAQ Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     1.50 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 20     1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   1.60 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 30   3.50 1-Year Hindsight Index Blended Indicies Point to Point Annual None 20   3.25 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 25   3.25 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 35   3.25 1-Year Fixed 1-Year Fixed Rate (no bonus) 1.50% 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 25   3.25 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 35     1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 25   3.25
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: WA
	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+ (10 years): 8.25 8.25 7.25 6.25 5.25 4.25 3 2 1 0.5
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.75% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     4.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 25     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80
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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK CA CT DE FL MN NJ NV NY OH OR PR SC TX UT VI VT WA
	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 1.50%  (GMR/1000 $1,130)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.30%
American General Life Insurance Company AG HorizonIndex Annuity 12 (CA)	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	Only Available in: CA
	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 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50
North American Company NA Performance Choice 12	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  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MA MN MO NV NY OH OR PR UT VA VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		10 10 10 10 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 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     4.85 1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None     4.45 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.50% 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     4.35 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     4.65 1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     5.40 Inverse Performance Trigger S&P 500 Inverse Perf Triggered Annual None     4.90 1-Year Dow Jones Point-to-Point DJIA Point to Point Annual None     4.60 1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None     4.40 1-Year Nasdaq 100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.40 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.55
North American Company NA Performance Choice 12 Plus	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  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE MA MN MO NV NY OH OR PR UT VA VI WA
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 12 years:		10 10 10 10 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,065)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     3.20 1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     2.90 1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     3.55 Inverse Performance Trigger S&P 500 Inverse Perf Triggered Annual None     3.40 1-Year Dow Jones Point-to-Point DJIA Point to Point Annual None     3.10 1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None     2.90 1-Year Nasdaq 100 Monthly Point-to-Point Cap Nasdaq 100 Point to Point Annual None     1.70 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     1.80 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     3.15 1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None     3.00 1-Year Fixed 1-Year Fixed Rate (no bonus) 1.75%
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	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: AK AL AR AZ CA CO DC GA HI ID IL KS LA MI MT ND NE NM RI SC SD TN VT WI WV WY
	Withdrawal Notes:			Prem Bonus: 5.00-10.00
	Withdrawal Charges 12 years:		12.5 12.5 12.5 11 10 9 8 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,085)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 0.85% Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.50 Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus 5% Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK MN MO NC NJ VA WA
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		14 13 12 10 9 8 6 5 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)