Fixed Indexed Annuities

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SC Years

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Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Featured Products

Surrender Charges Last 16 Years

Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)

16 yrs

10.00%

3.00%

84.00%

07/20/10

0-75: 6.00+
76-80: 4.50+

see notes

Fixed Value @ 2.70%	1-Year S&P 500 Point-to-Point PR
1-Year S&P 500 Monthly Average PR	1-Year S&P 500 Monthly Average Cap
1-Year S&P 500 Point-to-Point Cap	1-Year S&P 500 Monthly Point-to-Point
1-Year Dow Jones Point-to-Point Cap	1-Year Dow Jones Monthly Average Cap
1-Year Lehman U.S. Aggregate Point-to-Point

Surrender Charges Last 12 Years

Amer. Equity Investment Life Ins. Co.
Income Gold (Index 3-07)

12 yrs

5.00%

3.00%

87.50%

07/20/10

0-75: 5.63+
76-80: 4.22+

see notes

1-Year S&P 500 Monthly Average PR	1-Year S&P 500 Monthly Average Cap
1-Year S&P 500 Point-to-Point PR	1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Point-to-Point Cap	Fixed Account @ 2.70%
1-Year Lehman U.S. Aggregate Point-to-Point Cap	1-Year Dow Jones Monthly Average Cap
1-Year Dow Jones Point-to-Point Cap

Surrender Charges Last 10 Years

Allianz Life
MasterDex X Annuity

10 yrs

10.00%

1.50%

90.00%

$1,149

07/06/10

0-75: 7.00+
76-80: 5.00+

see notes

1 Year Fixed @ 2.15%	1 Year S&P 500 Monthly Cap
1 Year S&P 500 Point-to-Point Cap	1 Year Nasdaq 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread	1 Year Euro STOXX 50 Point-to-Point Cap
1 Year Euro STOXX 50 Monthly Cap

Company / Product

SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 17 Years

Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index-1-05 & Index-7-05-OK)

17 yrs

(NQ)

10.00%

3.00%

84.00%

07/20/10

0-75: 8.20+
76-80: 6.15+

see notes

Fixed @ 3.30%	S&P 500 Monthly Point-to-Point
S&P 500 Monthly Average w/ PR	S&P 500 Monthly Average w/ CAP
S&P 500 Annual Point-to-Point w/ PR	S&P 500 Annual Point-to-Point w/ CAP
Dow Jones Annual Monthly Average	Dow Jones Annual Point-to-Point
Lehman Brothers U.S. Aggregate Annual Point-to-Point

Surrender Charges Last 15 Years

National Western Life
Liberty Champion

15 yrs

5.00%

07/01/10

Qualified

0-70: 9.25+
71-75: 7.75+

Non-Qualified

0-70: 9.25+
71-80: 7.75+
81-85: 5.50+

see notes

Fixed @ 2.25%	Option D: Annual Reset with Monthly Cap
Option A: Annual Reset with Monthly Averaging

National Western Life
NWL Ultra Future

15 yrs

10.00%

1.50%

87.50%

$1,203

07/01/10

Qualified

0-70: 7.00+
71-75: 3.50+
76-80: 2.00+

Non-Qualified

0-75: 7.00+
76-80: 5.00+

see notes

Option B: Fixed Account @ 2.90%	Option A: Monthly Averaging Annual Reset
Option D: Monthly Cap

Surrender Charges Last 14 Years

Amer. Equity Investment Life Ins. Co.
Retirement Gold (02-09)

14 yrs

10.00%

2.25%

87.50%

07/20/10

0-78: 6.00+

see notes

Fixed @ 2.50%	S&P 500 Monthly Average w/ Participation
S&P 500 Monthly Average w/ Cap	S&P 500 Point-to-Point w/ Participation
S&P 500 Point-to-Point w/ Cap	S&P 500 Monthly Cap

National Western Life
NWL Ultra Benefit

14 yrs

(NQ)

5.00%

1.50%

87.50%

$1,132

07/01/10

Qualified

0-70: 8.00+
71-75: 5.50+
76-80: 3.50+
81-85: 1.00+

Non-Qualified

0-75: 8.00+
76-80: 6.00+
81-85: 3.50+

see notes

Fixed @ 1.85%	Option A: Monthly Average Annual Reset
Option D: Monthly Cap Annual Reset

Surrender Charges Last 13 Years

National Western Life
NWL Ultra Classic

13 yrs

1.50%

87.50%

$1,062

07/01/10

Qualified

0-70: 12.00+
71-75: 10.00+
76-80: 9.00+

Non-Qualified

0-75: 12.00+
76-80: 10.50+

see notes

Option B: Fixed Account @ 3.25%	Option A: Monthly Averaging Annual Reset
Option D: Monthly Cap Annual Reset

Surrender Charges Last 12 Years

Amer. Equity Investment Life Ins. Co.
Bonus 5 (INDEX-3-07-WA)

12 yrs

(NQ)

5.00%

07/20/10

0-57: 6.00+
58-80: 4.00+

see notes

S&P 500 Monthly Average w/ PR	S&P 500 Monthly Average w/ CAP
S&P 500 Annual Point-to-Point w/ PR	S&P 500 Annual Point-to-Point w/ CAP
S&P 500 Monthly Point-to-Point	Fixed @ 2.70%

National Western Life
Liberty Challenge

12 yrs

85 (NQ)

2.00%

07/01/10

Qualified

0-70: 9.00+
71-75: 8.00+

Non-Qualified

0-70: 9.00+
71-80: 8.00+
81-85: 6.25+

see notes

Fixed @ 2.25%	Option D: Annual Reset with Monthly Cap
Option A: Annual Reset with Monthly Averaging

RBC Insurance
RBC Enhanced Choice 12 SPDA

12 yrs

5.00%

1.00%

87.50%

$1,035

07/01/10

0-75: 8.00+
76-80: 6.00+
81-85: 4.00+

see notes

Fixed Account @ 1.20%	1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap	1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

3.00%

1.75%

90.00%

$1,103

07/01/10

0-75: 10.00
76-80: 8.00

S&P 500 10 Year Point-to-Point

Allianz Life
Endurance Plus

10 yrs

(NQ)

1.50%

90.00%

$1,044

07/06/10

0-75: 8.00+
76-80: 5.00+

see notes

Fixed Account @ 2.50%	Blended Point-to-Point
Blended Monthly Average	S&P 500 Monthly Sum
S&P 500 Point-to-Point	Nasdaq 100 Point-to-Point
Nasdaq 100 Monthly Sum	FTSE 100 Point-to-Point
FTSE 100 Monthly Sum

Allianz Life
MasterDex 10

10 yrs

10.00%

1.50%

87.50%

$1,117

07/06/10

0-75: 9.00+
76-85: 7.00+

see notes

Fixed Account @ 3.00%	1-Year SP 500 Monthly Point to Point
1-Year Nasdaq-100 Monthly Point to Point

Allianz Life
MasterDex 10 Plus Annuity

10 yrs

10.00%

1.50%

87.50%

$1,117

07/06/10

0-75: 8.00+
76-80: 5.00+

see notes

Fixed @ 3.00%	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread	1 Year S&P 500 Monthly Cap
1 Year S&P 500 Point-to-Point Cap	1 Year Nasdaq 100 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Cap

Allianz Life
MasterDex 5 Plus Annuity

10 yrs

5.00%

2.00%

87.50%

$1,120

07/06/10

0-75: 8.00+
76-80: 6.00+

see notes

Fixed Interest Option @ 2.15%	1 Year S&P 500 Monthly Sum Cap
1 Year S&P 500 Point-to-Point Cap	1 Year FTSE 100 Point-to-Point Cap
1 Year FTSE 100 Monthly Sum Cap	1 Year Nasdaq 100 Monthly Sum Cap
1 Year Nasdaq 100 Point-to-Point Cap	1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread

Allianz Life of NY
New York Bonus MasterDex

10 yrs

0 (NQ)

3.00%

1.50%

100%

$1,195

07/06/10

0-74: 4.50+
75-85: 2.50+

see notes

Fixed @ 2.25%	S&P 500 Monthly Point-to-Point
Nasdaq 100 Monthly Point-to-Point

Amer. Equity Investment Life Ins. Co.
10/10 Gold (Index 6-05)

10 yrs

1.20%

3.00%

87.50%

07/20/10

0-75: 6.00+
76-UP: 4.50+

see notes

Fixed @ 3.00%	1-Year S&P 500 Monthly Average PR
1-Year S&P 500 Point-to-Point PR	1-Year S&P 500 Monthly Point-to-Point
1-Year Lehman Bros. US Aggregate Point-to-Point

Amer. Equity Investment Life Ins. Co.
Advantage Gold

10 yrs

5.00%

3.00%

84.00%

07/20/10

see notes

Traditional Fixed Value @ 2.60%	1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average Participation Rate	1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate	1 Year S&P 500 Point-to-Point Cap
1 Year Lehman Brothers U.S. Aggregate Point-to-Point

Amer. Equity Investment Life Ins. Co.
Benefit Gold (ICC10 IDX 110*)

10 yrs

(NQ)

5.00%

2.25%

87.50%

07/20/10

0-75: 5.25+
76-80: 3.94+

see notes

Fixed @ 2.60%	S&P 500 Monthly Average w/Cap
S&P 500 Point-to-Point w/Cap	S&P 500 Monthly Point-to-Point
10-Year US Treasury Bond w/ Cap

Amer. Equity Investment Life Ins. Co.
Millenium Platinum (Index-6-05)

10 yrs

(NQ)

3.00%

87.50%

07/20/10

Fixed @ 3.00%	S&P 500 Monthly Average w/ PR
S&P 500 Annual Point-to-Point w/ PR	S&P 500 Monthly Point-to-Point
Lehman Bros. U.S. Treasury Annual Point-to-Point

Amer. Equity Investment Life Ins. Co.
Retirement Gold (RG-FIA-09)

10 yrs

(NQ)

6.00%

2.25%

87.50%

07/20/10

0-78: 5.25+

see notes

Fixed @ 2.50%	S&P 500 Monthly Average w/ Participation
S&P500 Monthly Average w/ Cap	S&P 500 Point-to-Point w/ Participation
S&P500 Point-to-Point w/ Cap	S&P500 Monthly Cap

American National Ins. Co.
ANICO Strategy Indexed Annuity 10

10 yrs

1.00%

100%

$1,105

07/01/10

see notes

Declared Rate Interest Account @ 2.00%

1 Year S&P 500 Point-to-Point

Forethought Financial
Guaranteed Destinations -Low

10 yrs

5.00%

07/09/10

0-75: 5.00
76-85: 3.50

Monthly Point-to-Point with Cap	Fixed Account Strategy: @ 2.25%
Short-Term Account Strategy @ 1.50%

Forethought Financial
Guaranteed Destinations -Mid

10 yrs

5.00%

07/09/10

0-75: 5.00
76-85: 3.50

Fixed Account Strategy: @ 2.25%	Short-Term Account Strategy @ 1.50%
Monthly Point-to-Point with Cap

Forethought Financial
Guaranteed Destinations -High

10 yrs

5.00%

07/09/10

0-75: 5.00
76-85: 3.50

Monthly Point-to-Point with Cap	Fixed Account Strategy: @ 2.25%
Short-Term Account Strategy @ 1.50%

Forethought Financial
Guaranteed Destinations WA -Low

10 yrs

8.00%

87.50%

2.00%

$11,600

07/09/10

0-75: 5.00
76-85: 3.00

Fixed Account Strategy @ 2.00%	Monthly Point-to-Point with Cap
Annual Cap with Monthly Averaging

Forethought Financial
Guaranteed Destinations WA -Mid

10 yrs

8.00%

87.50%

2.00%

$11,600

07/09/10

0-75: 5.00
76-85: 3.00

Annual Cap with Monthly Averaging	Monthly Point-to-Point with Cap
Fixed Account Strategy @ 2.00%

Forethought Financial
Guaranteed Destinations WA -High

10 yrs

8.00%

87.50%

2.00%

$11,600

07/09/10

0-75: 5.00
76-85: 3.00

Fixed Account Strategy @ 2.00%	Monthly Point-to-Point with Cap
Annual Cap with Monthly Averaging

Forethought Financial
Income 125 -Low

10 yrs

(NQ)

2.00%

87.50%

$1,067

07/09/10

0-75: 7.50+
76-85: 5.00+

see notes

Fixed Account Strategy @ 2.00%

Monthly Point-to-Point with Cap

Forethought Financial
Income 125 -Mid

10 yrs

(NQ)

2.00%

87.50%

$1,067

07/09/10

0-75: 7.50+
76-85: 5.00+

see notes

Monthly Point-to-Point with Cap

Fixed Account Strategy @ 2.00%

Forethought Financial
Income 125 -High

10 yrs

(NQ)

2.00%

87.50%

$1,067

07/09/10

0-75: 7.50+
76-85: 5.00+

see notes

Fixed Account Strategy @ 2.00%

Monthly Point-to-Point with Cap

Forethought Financial
Index Bonus 115^sm -Low

10 yrs

1.00%

87.50%

$ 967

07/09/10

Fixed Account Strategy @ 2.00%

Monthly Point-to-Point with Cap

Forethought Financial
Index Bonus 115^sm -Mid

10 yrs

1.00%

87.50%

$ 967

07/09/10

Fixed Account Strategy @ 2.00%

Monthly Point-to-Point with Cap

Forethought Financial
Index Bonus 115^sm -High

10 yrs

1.00%

87.50%

$ 967

07/09/10

Fixed Account Strategy @ 2.00%

Monthly Point-to-Point with Cap

OM Financial Life Ins. Co.
OM Index-Accelerator 10

10 yrs

8.00%

1.00-1.10%

87.50%

$1,054

06/23/10

0-79: 8.00+
80-85: 4.00+

see notes

1-Year S&P 500 Monthly Cap	1-Year S&P 500 Monthly Average
1-Year S&P 500 Point-to-Point	2-Year S&P 500 Monthly Average with Cap
Fixed Interest Option @ 1.50%

OM Financial Life Ins. Co.
OM Index-Escalator 10

10 yrs

1.00%

87.50%

$ 976

06/23/10

0-79: 6.50+
80-85: 3.25+

see notes

Fixed Account @ 2.25%	1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Averaging	1-Year S&P 500 Annual Point-to-Point

OM Financial Life Ins. Co.
OM Index-Safety 10 -Low

10 yrs

3.00%

100%

$1,344

06/23/10

0-79: 7.00+
80-85: 3.50+

see notes

1 Year S&P 500 Monthly Point-to-Point Cap	1 Year S&P 500 Annual Point-to-Point Cap
1 Year S&P 500 Monthly Average Cap	Fixed Account @ 3.00%

OM Financial Life Ins. Co.
OM Index-Safety 10 -High

10 yrs

3.00%

100%

$1,344

06/23/10

0-79: 7.00+
80-85: 3.50+

see notes

Fixed Account @ 3.15%	1 Year S&P 500 Monthly Point-to-Point Cap
1 Year S&P 500 Annual Point-to-Point Cap	1 Year S&P 500 Monthly Average Cap

OM Financial Life Ins. Co. (NY)
OMNY Index-Spectrum 10

10 yrs

2.00%

1.00%

100%

$1,127

07/01/10

0-80: 5.00
81-85: 2.50

see notes

S&P 500 Monthly Point-to-Point	S&P 500 Monthly Averaging
S&P 500 Annual Point-to-Point	Fixed @ 3.00%

RBC Insurance
RBC Choice 10 SPDA

10 yrs

1.00%

87.50%

$ 967

07/01/10

0-75: 10.00+
76-80: 8.00+
81-85: 6.00+

see notes

1-Year Fixed Account @ 2.25%	1 Year S&P 500 Annual Point to Point Cap
1 Year S&P 500 Monthly Additive Point to Point Cap	1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap

RBC Insurance
RBC Enhanced Choice 10 SPDA

10 yrs

5.00%

1.00%

87.50%

$1,015

07/01/10

0-75: 7.00+
76-79: 5.00+
80-85: 3.00+

see notes

Fixed Account @ 1.15%	1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap	1-Year DJIA Quarterly Additive Point-to-Point Indexed Account
1-Year DJIA Monthly Average Indexed Account

Surrender Charges Last 9 Years

Forethought Financial
Forethought Destination Indexed 9 -Low

9 yrs

3.00%

90.00%

$1,174

07/09/10

0-75: 5.50
76-78: 3.50

Fixed Account @ 2.50%	3-Year Monthly Point-to-Point Cap
3-Year S&P 500 Point-to-Point Cap

Forethought Financial
Forethought Destination Indexed 9 -Mid

9 yrs

3.00%

90.00%

$1,174

07/09/10

0-75: 5.50
76-78: 3.50

Fixed Account @ 2.50%	3-Year S&P 500 Point-to-Point Cap
3-Year Monthly Point-to-Point Cap

Forethought Financial
Forethought Destination Indexed 9 -High

9 yrs

3.00%

90.00%

$1,174

07/09/10

0-75: 5.50
76-78: 3.50

Fixed Account @ 2.50%	3-Year Monthly Point-to-Point Cap
3-Year S&P 500 Point-to-Point Cap

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

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

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