SPIA Products

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 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. Amer. National Ins. (Legacy) American National Ins. Co. Amer. National Life Ins. Co. of NY Americo Athene Annuity Aviva Life & Annuity (Income Series) EquiTrust Life Ins. Co. F&G Life (Legacy) Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First SunAmerica First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING Annuity and Asset Sales Integrity Life Insurance Life of the Southwest Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Minnesota Life National Integrity Life Ins. National Western Life North American Company PHL Variable Ins. Co. (Legacy) Phoenix Life Insurance Co. Presidential Life Principal Financial Group Protective Life And Annuity (NY) Protective Life Corporation ReliaStar Life Ins. Co. Royal Neighbors of America Sagicor Life Insurance Co. Symetra Life Insurance Co. The Standard United States Life Ins. Co. (NY) Western National Life Ins. Co. Age Comm %

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Company / Product Name	AM Best	Impaired Risk	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Featured Products
Competitive & 4% Commission!
American Equity Investment Life Insurance Company SPIA-1	A-		90	90	10,000	10,000	0-90: 4.00
can be Underwritten for better payout!
Symetra Life Insurance Company Advantage Income	A		95	95	10,000	10,000	0-95: 3.00
Delayed SPIA - DEFERRED COMP!
Symetra Life Insurance Company Freedom Income Annuity	A		95 (Q: 70)	95 (Q: 70)	10,000	10,000	0-95: 5.00

Company / Product Name	AM Best	Impaired Risk	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Allianz Life Insurance Company of North America Single Premium Immediate Elite Annuity	A		99	99	25,000	25,000	0-99: 3.00 see notes
can be Underwritten for better payout!
American General Life Insurance Company AG Platinum Income	A		0	0	10,000	10,000	0-90: 3.00
American National Insurance Company Palladium (SPIA)	A		90	90	15,000	3,500	see notes
EquiTrust Life Insurance Company Confidence Income	B+		90	90	30,000	30,000	0-90: 3.00 see notes
Fidelity & Guaranty Life FG Immediate-Income	B++		100	100	10,000	10,000	0-90: 2.00 see notes
Fidelity & Guaranty Life FG Immediate-Safeguard	B++		100	100	5,000	5,000	see notes
First SunAmerica FSA Secure Income Annuity	A		85		10,000	10,000	Call
First Symetra Nat’l Life Ins Co of NY First Symetra Advantage Income	A		95	95	10,000	10,000	0-95: 3.00
First Symetra Nat’l Life Ins Co of NY Freedom Income	A		95	95	10,000	10,000	0-95: 4.00
Genworth Life Insurance Company SecureLiving® Income Provider	A		95	95	5,000	5,000	0-95: 3.00
Genworth Life of New York SecureLivingSM Income Provider NY	A		95	95	5,000	5,000	0-95: 2.00
ING Annuity and Asset Sales ING SPIA	A		80	80	15,000	15,000	0-95: 3.00
3.75% comp & A+ rated
Integrity Life Insurance Income Source	A+		95	95	10,000	10,000	see notes
Lincoln Benefit Life IncomeReadySMSPIA	A+		90	90	5,000	5,000	see notes
Lincoln Financial Group Lincoln SmartIncome Inflation Annuity	A+		85	85	50,000	50,000	0-75: 3.00 76-80: 2.00 81-85: 1.00 see notes

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