Fixed Indexed Annuities

State

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Qual

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SC yrs

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%

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SC Years

Issue
Age

Premium
Bonus

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

(NQ)

10.00

1.50%

80.00%

10/08/11

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

see notes

10 Year U.S. Treasury Bond Value with Cap	1-Year Dow Jones Monthly Average Cap
1-Year Dow Jones Point-to-Point Cap	1 Year S&P 500 Annual Point-to-Point Participation Rate
Traditional Fixed Value @ 1.75%	1 Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Point-to-Point Cap	1 Year S&P 500 Monthly Average Participation Rate
1-Year S&P 500 Monthly Point-to-Point

Surrender Charges Last 10 Years

Allianz Life Ins. Co. of North America
Allianz 360 Annuity

10 yrs

1.00-1.35%

87.50%

$1,001

02/07/12

0-75: 7.00
76-80: 5.00

1-Year Blended Annual Point-to-Point Cap	1-Year S&P 500 Monthly Sum Cap
1-Year Nasdaq 100 Annual Point-to-Poiont	1-Year Eurostoxx 50 Annual Point-to-Point
1-Year Blended Monthly Average Spread	1-Year Nasdaq 100 Monthly Sum Cap
1-Year Eurostoxx 50 Monthly Sum Cap	1-Year S&P 500 Annual Point-to-Point
1-Year Fixed Interest Account @ 1.80%

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) DE

17 yrs

(NQ)

10.00

1.50%

80.00%

10/08/11

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

see notes

1-Year S&P 500 Point-to-Point Cap	1-Year Dow Jones Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap	1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate	1-Year Dow Jones Monthly Average Cap
Traditional Fixed Value @ 2.25%	1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap

Surrender Charges Last 15 Years

National Western Life
NWL Ultra Future

15 yrs

55 (NQ)

4.75
to 10.00

1.00%

87.50%

$1,117

08/18/11

Qualified

0-70: 5.00+
71-75: 1.50+
76-80: 0.25+

Non-Qualified

0-75: 5.00+
76-80: 3.00+

see notes

Option B: Fixed Account @ 1.90%	Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset

Surrender Charges Last 14 Years

Fidelity & Guaranty Life
FG AccumulatorPlus 14

14 yrs

(NQ)

1.00%

87.50%

$1,006

02/02/12

0-85: 7.50

1 Year S&P 500 Monthly Point-to-Point	1 Year S&P 500 Point-to-Point with Cap
1-Year Fixed Account @ 3.00%	1 Year S&P 500 Monthly Average with Cap
1 Year Index Gain Option with Declared Rate

Fidelity & Guaranty Life
Prosperity Elite 14

14 yrs

(NQ)

1.00%

87.50%

$1,006

02/02/12

0-79: 8.00
80-85: 4.00

1-Year S&P 500 Monthly Average with A Cap	2-Year S&P 500 Point-to-Point with a Cap
1-Year Performance Triggered Account	1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap	3-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 2.50%

Fidelity & Guaranty Life
Prosperity Elite 14 Enhanced

14 yrs

(NQ)

6.00

1.00%

87.50%

$1,066

02/02/12

0-79: 8.00
80-85: 4.00

Fixed Account @ 2.50%	1-Year S&P 500 Monthly Average with A Cap
2-Year S&P 500 Point-to-Point with a Cap	1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap	1-Year S&P 500 Point-to-Point with a Cap
3-Year S&P 500 Point-to-Point with a Cap

Fidelity & Guaranty Life
Prosperity Elite 14 Protection

14 yrs

(NQ)

9.00

1.00%

87.50%

$1,096

02/02/12

0-79: 8.00
80-85: 4.00

1-Year S&P 500 Point-to-Point with a Cap	3-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 2.50%	1-Year S&P 500 Monthly Average with A Cap
2-Year S&P 500 Point-to-Point with a Cap	1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap

National Western Life
NWL Ultra Benefit

14 yrs

4.00
to 5.00

1.00%

87.50%

$1,056

08/18/11

Qualified

0-70: 6.00+
71-75: 3.50+
76-81: 1.50+

Non-Qualified

0-75: 6.00+
76-80: 4.00+
81-85: 1.50+

see notes

Option B: Fixed Interest Rate @ 1.00%	Option D: Monthly Cap Annual Reset
Option A: Monthly Average Annual Reset

Surrender Charges Last 13 Years

National Western Life
NWL Ultra Classic

13 yrs

80 (NQ)

1.00%

87.50%

$ 996

08/18/11

Qualified

0-70: 10.00+
71-75: 8.00+
76-80: 7.00+

Non-Qualified

0-75: 10.00+
76-80: 8.50+

see notes

Option A: Monthly Averaging Annual Reset	Option B: Fixed Account @ 2.40%
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)

3.00
to 5.00

1.50%

87.50%

10/08/11

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

see notes

Traditional Fixed Value @ 1.75%	1 Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Point-to-Point Cap	1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate	1-Year S&P 500 Monthly Point-to-Point

Athene Annuity
Enhanced Choice 12

12 yrs

(NQ)

5.00

1.00%

87.50%

$1,035

01/18/12

0-75: 6.50+
76-UP: 3.50+

see notes

1-Year DJIA Monthly Average Cap	1-Year S&P 500 Monthly Additive Point-to-Point Cap
8 Year Fixed Fixed @ 2.00%	1-Year DJIA Quarterly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap

Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus

12 yrs

(NQ)

5.00
to 10.00

1.00%

87.50%

$1,085

01/01/12

0-75: 7.50+
76-80: 5.00+
81-86: 3.00+

see notes

Fixed Account @ 0.85%	Point to Point Indexed Account - 1 year S&P 500
Rainbow Point to Point Indexed Account - 1 year Domestic	Monthly Point to Point Indexed Account - 1 year S&P 500
Performance Trigger Indexed Account - 1 year S&P 500	Rainbow Point to Point Indexed Account - 1 year Global

Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low

12 yrs

(NQ)

5.00

1.00%

87.50%

$1,035

01/01/12

0-75: 7.50
76-80: 5.00
81-86: 3.00

see notes

Rainbow Point to Point Indexed Account - 1 year Domestic	Monthly Point to Point Indexed Account - 1 year S&P 500
Performance Trigger Indexed Account - 1 year S&P 500	Rainbow Point to Point Indexed Account - 1 year Global
Fixed Account @ 2.50%	Point to Point Indexed Account - 1 year S&P 500

Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High

12 yrs

(NQ)

1.00%

87.50%

$ 986

01/01/12

0-75: 7.50
76-80: 5.00
81-86: 3.00

see notes

Point to Point Indexed Account - 1 year S&P 500	Rainbow Point to Point Indexed Account - 1 year Domestic
Monthly Point to Point Indexed Account - 1 year S&P 500	Performance Trigger Indexed Account - 1 year S&P 500
Rainbow Point to Point Indexed Account - 1 year Global	Fixed Account @ 2.50%

Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 6%

12 yrs

(NQ)

6.00

1.00%

87.50%

$1,045

01/01/12

0-75: 7.50
76-80: 5.00
81-86: 3.00

see notes

Point to Point Indexed Account - 1 year S&P 500	Rainbow Point to Point Indexed Account - 1 year Domestic
Monthly Point to Point Indexed Account - 1 year S&P 500	Performance Trigger Indexed Account - 1 year S&P 500
Rainbow Point to Point Indexed Account - 1 year Global	Fixed Account @ 0.75%

Surrender Charges Last 10 Years

Forethought Financial
Destination Income 15 -Low

10 yrs

2.00%

90.00%

$1,097

02/01/12

0-75: 6.50
76-85: 5.00

Fixed Account Strategy @ 2.00%

Forethought Financial
Destination Income 15 -Mid

10 yrs

2.00%

90.00%

$1,097

02/01/12

0-75: 6.50
76-85: 5.00

Fixed Account Strategy @ 2.00%

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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