Fixed Annuity Detail Sheet

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Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company - Any - Allianz Life Allianz Life of NY Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Americo Annuity Investors Life (Great Amer. Life) Dearborn National EquiTrust Life Ins. Co. First SunAmerica First Symetra Nat’l Life Ins Co of NY Forethought Financial Fort Dearborn Life of New York Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING USA Annuity and Life Integrity Life Insurance Investors Ins. (Legacy) Lafayette Life 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 OM Financial (Legacy) OM Financial Life Ins. Co. OM Financial Life Ins. Co. (NY) Penn Mutual Life Presidential Life Principal Financial Group Protective Life Corporation RBC Insurance Sun Life Financial Sun Life Ins. and Annuity of New York Symetra Life Insurance Co. The Standard Transamerica Life United States Life Ins. Co. (NY) West Coast Life Western National Life Ins. Co.

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Featured Products
Surrender Charges Last 6 Years
Effective rate with bailout is 3.88% at $100k 6/15/09. Competes with MYGA's, but more liquidity!
Genworth Life Insurance Company SecureLiving Liberty 1-Year Guaranty High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MS NY PR VI	0-75: 3.00 76-80: 1.95 81-85: 1.05
	Withdrawal Notes:			No Premium Bonus
	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, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (6 years): 9 9 8 7 6 5 For states IN, OR (6 years): 9 8 7 6 5 4			Rate Changed: 08/25/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.50%	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% 4.45 1.50-2.50 2.78 1.99
Effective rate with bailout is 3.88% at $100k 6/15/09. Competes with MYGA's, but more liquidity!
Genworth Life Insurance Company SecureLiving Liberty 1-Year Guaranty Mid-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MS NY PR VI	0-75: 3.00 76-80: 1.95 81-85: 1.05
	Withdrawal Notes:			No Premium Bonus
	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, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (6 years): 9 9 8 7 6 5 For states IN, OR (6 years): 9 8 7 6 5 4			Rate Changed: 08/25/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.50%	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 1.5% 3.95 1.50-2.50 2.70 1.90
Effective rate with bailout is 3.88% at $100k 6/15/09. Competes with MYGA's, but more liquidity!
Genworth Life Insurance Company SecureLiving Liberty 1-Year Guaranty Low-Band	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  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MS NY PR VI	0-75: 3.00 76-80: 1.95 81-85: 1.05
	Withdrawal Notes:			No Premium Bonus
	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, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY (6 years): 9 9 8 7 6 5 For states IN, OR (6 years): 9 8 7 6 5 4			Rate Changed: 08/25/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.50%	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% 3.45 1.50-2.50 2.62 1.82

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 15 Years
National Western Life Confidence Flex 85	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 75	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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: FL PR VI WY	Qualified 0-75: 7.00+ Non-Qual 0-80: 7.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			Prem Bonus: 5.00-8.00
	Withdrawal Charges 15 years:		25 25 25 25 25 25 22.5 20 17.5 15 12.5 10 7.5 5 2.5	Rate Changed: 08/27/10
	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 3.53 3.53
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+ see notes
	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
National Western Life Confidence Flex 45	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 75	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  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: PR VI WY	Qualified 0-69: 9.00+ 70-75: 8.75+ Non-Qual 0-69: 9.00+ 70-80: 8.75+ 81-85: 5.75+ see notes
	Withdrawal Notes:			Prem Bonus: 4.00-5.00
	Withdrawal Charges 15 years:		25 25 25 25 25 25 22.5 20 17.5 15 12.5 10 7.5 5 2.5	Rate Changed: 08/27/10
	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 3.34 3.34
National Western Life NWL Future Assurance	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  No- 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 AL CT MS NY OR TX	Qualified 0-70: 7.00+ 71-75: 3.00+ 76-80: 2.00+ Non-Qual 0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 2.00-10.00
	For states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2 For states DE, IL, IN, MA, MN, NJ, PA, UT, WA (9 years): 9.25 8.25 7.25 6.25 5 4 3 2 1			Rate Changed: 08/27/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%	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 1.5 1.50 2.15 2.15
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+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2	Rate Changed: 09/01/10
	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 2.55 1.00 3.25 1.80
National Western Life NWL Benefit Assurance	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  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE FL IL IN MA MN MS NJ NY OR PA TX UT WA	Qualified 0-70: 10.00+ 71-75: 7.50+ 76-80: 5.50+ 81-85: 2.50+ Non-Qual 0-75: 10.00+ 76-80: 8.00+ 81-85: 5.50+ see notes
	Withdrawal Notes:			Prem Bonus: 4.00-5.00
	Withdrawal Charges 14 years:		16 16 15.7 15 14 13.2 12.5 11.5 10.7 10 8 6 4 2	Rate Changed: 08/27/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%	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 1.5 1.50 1.85 1.85
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+ see notes
	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 : 10/01/10
	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 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+ see notes
	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
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+ see notes
	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+ see notes
	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 : 10/01/10
	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
National Western Life NWL Prevail Seven	Non-Qualified Owner: 85 Annuitant: 90 Qualified Owner: 85 Annuitant: 75	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  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CA CT FL KY MN NY OR UT WA	Qualified 0-75: 5.75 Non-Qual 0-75: 5.75 76-85: 1.50 86-90: 1.20
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 10 9 9 8 7 6 5 5 5	Rate Changed: 08/27/10
	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% 9.35 2.00 3.03 2.71
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+ see notes
	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 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 3.00 1.64
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 see notes
	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+ see notes
	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 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 2.35 1.00 2.85 1.63
National Western Life NWL Accumulator Five	Non-Qualified Owner: 85 Annuitant: 90 Qualified Owner: 85 Annuitant: 75	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  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CA CT FL KY MN NY OR UT WA	Qualified 0-75: 7.00+ Non-Qual 0-75: 7.00+ 76-90: 3.20+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 10 9 9 7 5 5 5 5 5	Rate Changed: 08/27/10
	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% 7.35 2.00 2.84 2.52
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	see notes
	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
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+ see notes
	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+ see notes
	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+ see notes
	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+ see notes
	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+ see notes
	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+ see notes
	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	see notes
	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
National Western Life NWL Protector One	Non-Qualified Owner: 85 Annuitant: 90 Qualified Owner: 85 Annuitant: 75	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  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CA CT KY MN NY OR UT WA	Qualified 0-75: 10.00+ Non-Qual 0-75: 10.00+ 76-90: 6.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 10 9 9 7 5 5 5 5 5	Rate Changed: 08/27/10
	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 1% 3.35 2.00 2.45 2.13
Great American Life Insurance Company American Freedom 10-ST	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- 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  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: NY PR VI	0-80: 5.00 81-85: 2.35 see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, HI, IA, ID, IN, KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OR, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 9 9 8 7 6 5 4 3 2 1 Age 60+ in states FL, IL, KY, NJ, OK, PA, SC, UT, WA (9 years): 8 8 7 6 5 4 3 2 1			Rate Changed: 08/21/10
	Guaranteed Minimum Value:		100% of Premium at 1.00-2.00%	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 2% 4.2 1.00-2.00 2.40 1.32
American General Life Insurance Company AG HorizonMYG	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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-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 MN NJ NY PR UT VI	0-75: 7.50+ 76-80: 5.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 6 Yield to SurrenderTM Current Guarant'd 6 Year Fixed with Bonus 6 Years 4% 6 2.00 2.39 2.39
American National Insurance Company Palladium Century 3	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		11 10 9 8 7 6 5 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 3% 5 2.00 2.30 2.30
Forethought Financial Secure Bonus 115 Plussm Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA IN MO NY OR PR UT VI WA
	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 with Bonus 1 Year 3% 5 1.00 2.30 1.39
Forethought Financial Secure Bonus 115 Plussm Mid-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA IN MO NY OR PR UT VI WA
	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 with Bonus 1 Year 3% 5 1.00 2.30 1.39
American National Insurance Company Palladium Century 1	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	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	see notes
	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 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 1% 3 2.00 2.10 2.10
Forethought Financial Secure Bonus 115 Plussm High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA IN MO NY OR PR UT VI WA
	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 1.00 2.00 1.10
Minnesota Life SecureOption Flex	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 2,000 Monthly: 2,000 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  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 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 1-Year Fixed 1 Year none 1.85 1.50 1.85 1.53
Investors Insurance (Legacy) EnhanceMark	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 50,000 Monthly: 50,000 Qualified Single: 50,000 Monthly: 50,000	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	Only Available in: AR AZ CO DC DE GA IA ID IL IN LA MD MI MS MT NC NE NM NV OH OK PA SC WV WY	0-80: 8.00 81-86: 4.00
	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:			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 1.5 1.50 1.05
Surrender Charges Last 9 Years
American Equity Investment Life Insurance Company FPDA-12	Non-Qualified Owner: 80 Annuitant: 0 Qualified Owner: 80 Annuitant: 0	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: AK DE IL ME MN NC NH OR PA RI SC UT VT WA	0-75: 5.25+ 76-80: 3.94+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 07/20/10
	Guaranteed Minimum Value:		100% of Premium at 3.00%	Next Change : 10/01/10
	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 3 3.00 3.00 3.00
North American Company North American Director	Non-Qualified Owner: 85 Annuitant: 0 Qualified Owner: 85 Annuitant: 0	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MA MN NV NY OR PR TX UT VI WA	0-80: 5.50+ 81-85: 4.13+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		12 11 10 9 8 7 6 4 2	Rate Changed: 09/01/10
	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 with Bonus 1 Year 3% 5.5 1.00 2.83 1.49
EquiTrust Life Insurance Company ChoiceFour (MVA Option)	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA	0-80: 5.50 81-85: 4.13 see notes
	Withdrawal Notes:			Premium Bonus: 1.50
	Withdrawal Charges 9 years:		12 11 10 9 8 7 6 4 2	Rate Changed: 09/02/10
	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 2.67 2.22
American General Life Insurance Company AG HorizonPlus	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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-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: MN NJ NY OR PA PR UT VI WA	0-75: 6.00 76-80: 3.20 81-85: 1.35
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 6 Yield to SurrenderTM Current Guarant'd 6 Year Fixed with Bonus 6 Years 6% 8 2.00 2.65 2.65
Western National Life Insurance Company UltraMYG	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 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  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: MN NC NY PR TX VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 9 8 7 6 5 4 3 2	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 6 Yield to SurrenderTM Current Guarant'd 6 Year Fixed with Bonus 6 Years 2% 4.4 2.40 2.62 2.15
EquiTrust Life Insurance Company ChoiceFour (Base Contract)	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA	0-80: 5.50 81-85: 4.13 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		12 11 10 9 8 7 6 4 2	Rate Changed: 09/02/10
	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 2.50 2.06