Consolidated Marketing Group, Inc.

Fixed Indexed Brief

State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	High Comm
Surrender Charges Last 3 Years
Lafayette Life	Centennial 3	3		3.00	90.00	$ 983
Surrender Charges Last 4 Years
OM Financial Life Ins. Co.	Safety Index 4 Low-Band	4		3.00	100.00	$1,126	up to 3.00%
OM Financial Life Ins. Co.	Safety Index 4 High-Band	4		3.00	100.00	$1,126	up to 3.00%
Surrender Charges Last 5 Years
ING USA Annuity and Life	ING Secure Index Five Low-Band	5		1.50	100.00	$1,077	up to 4.00%
ING USA Annuity and Life	ING Secure Index Five High-Band	5		1.50	100.00	$1,077	up to 4.00%
Lafayette Life	Centennial 5	5		3.00	90.00	$1,043
Amer. General Life Ins. Co.	VisionAdvantage 5 [MVA]	5		3.00	90.00	$1,043	up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	91.00	$ 968	up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	91.00	$ 968	up to 5.00%
Surrender Charges Last 6 Years
Amer. General Life Ins. Co.	AIG Global 6 Index	6		3.00	90.00	$1,075	up to 5.00%
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity Low-Band [MVA]	6		1.00	100.00	$1,062	up to 1.50%
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity High-Band [MVA]	6		1.00	100.00	$1,062	up to 1.50%
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		2.00	91.00	$1,025	up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		2.00	91.00	$1,025	up to 3.50%
OM Financial Life Ins. Co.	Loyalty Rewards Escalator 6	6	1.00	1.00	87.50	$ 938	up to 4.00%
Surrender Charges Last 7 Years
OM Financial Life Ins. Co.	Safety Index 7 Low-Band	7		3.00	100.00	$1,230	up to 6.00%
OM Financial Life Ins. Co.	Safety Index 7 High-Band	7		3.00	100.00	$1,230	up to 6.00%
OM Financial Life Ins. Co.	OM Accelerator Bonus 7	7	3.00	1.00-1.10	100.00	$1,112	up to 5.00%
Amer. General Life Ins. Co.	VisionAdvantage 7 [MVA]	7		3.00	90.00	$1,107	up to 6.00%
Lafayette Life	Centennial 7	7		3.00	90.00	$1,107

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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