MYGA Detail Sheet

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. Athene Annuity EquiTrust Life Ins. Co. F&G Life (Legacy) Forethought Financial Life of the Southwest Lincoln Benefit Life Lincoln Financial Group PHL Variable Ins. Co. (Legacy) Phoenix Life Insurance Co. Presidential Life Protective Life Corporation Sagicor Life Insurance Co. Sentinel Security Life Ins. Co. Rate Gtd - 1 yr 2 yrs 3 yrs 4 yrs 5 yrs 6 yrs 7 yrs 8 yrs 9 yrs 10 yrs 11 yrs 12 yrs 13 yrs 14 yrs 15 yrs Age Comm %

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Featured Products
Surrender Charges Last 8 Years
EquiTrust Life Insurance Company Certainty 8	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: IN MN	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		9 8.5 8 7.5 7 6.5 6 5.5	Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 8 Yield to SurrenderTM Current Guarant'd 8 Year MYGA with Bonus 8 Years 1% 4 3.00 3.12 3.12
Surrender Charges Last 5 Years
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA) MVA	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK AL CA DE MN MO NV NY OR PA PR VI WA	0-75: 3.00 76-80: 2.00
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (5 years): 9 8 7 6 5 For states WA (5 years): 9 8.25 7.25 6.5 5.5 For states IN, MS (5 years): 8.25 7.25 6.5 5.5 4.5			Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2.3 2.00 2.30 2.30
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: CA DE MN PA	0-75: 2.50 76-80: 1.50
	Withdrawal Notes:			No Premium Bonus
	For states DE, MN, PA (5 years): 9 8 7 6 5 For states CA (5 years): 8.25 7.25 6.5 5.5 4.5			Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.8 2.00 1.80 1.80

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 15 Years
Protective Life Corporation ProSaver Platinum 15 High-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MD NY OR PR VI WA	0-80: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 15 years:		6 6 5 4 3 2 1 0 0 0 0 0 0 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-15 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 15 Year MYGA 15 Years none 2.75 1.00 2.75 2.75
Protective Life Corporation ProSaver Platinum 15 Low-Band	Non-Qualified Owner: 92 Annuitant: 95 Qualified Owner: 92 Annuitant: 95	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MD NY OR PR VI WA	0-80: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 15 years:		6 6 5 4 3 2 1 0 0 0 0 0 0 0 0	Rate Changed: 05/15/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-15 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 15 Year MYGA 15 Years none 2.5 1.00 2.50 2.50
Surrender Charges Last 10 Years
Sentinel Security Life Insurance Company Personal Choice Annuity 10	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	Non-Qualified Single: 2,500 Monthly: 2,500 Qualified Single: 2,500 Monthly: 2,500	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: AZ CA CO HI IA ID KS MT NC ND NE NM NV OK OR SD TX UT WY	0-80: 2.75 81-90: 2.00
	Withdrawal Notes:			No Premium Bonus
	For states AZ, CA, CO, HI, IA, ID, KS, MT, NC, ND, NE, NM, NV, OK, SD, TX, UT, WY (10 years): 9 8 7 6 5 5 5 5 5 5 Age 60+ in states TX, UT (8 years): 8 7 6 5 4 3 2 1 For states OR (8 years): 8 7 6 5 4 3 2 1			Rate Changed: 03/27/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.6 2.00 3.60 3.60
EquiTrust Life Insurance Company Certainty 10	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: IN MN	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8.5 8 7.5 7 6.5 6 5.5 5 4.5	Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.5 2.00 3.50 3.50
EquiTrust Life Insurance Company Certainty Select 10	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: IN MN NY OR PR UT VI WA	0-80: 3.00+ 81-90: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 9 9 8 8 7 7 6 5 For states AK, SC, TX (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states CT (10 years): 10 9 8 7 6 5 4 3 2 1			Rate Changed: 02/22/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.5 1.00 3.50 3.50
Sentinel Security Life Insurance Company Personal Choice Annuity 10 FL	Non-Qualified Owner: 90 Annuitant: Qualified Owner: 90 Annuitant:	Non-Qualified Single: 2,500 Monthly: 2,500 Qualified Single: 2,500 Monthly: 2,500	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: FL	0-80: 2.75 81-90: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 5 5 5 5 5	Rate Changed: 03/27/12
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.5 2.00 3.50 3.50
American National Insurance Company Palladium MYG Annuity 9 High-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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 4.45 2.45 2.67 2.67
American National Insurance Company Palladium MYG Annuity 10 High-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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.55 2.55 2.65 2.65
American National Insurance Company Palladium MYG Annuity 8 High-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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.65 1.00-1.50 2.65 2.65
American National Insurance Company Palladium MYG Annuity 9 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 4.35 2.35 2.57 2.57
American National Insurance Company Palladium MYG Annuity 10 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.45 2.45 2.55 2.55
American National Insurance Company Palladium MYG Annuity 8 Low-Band	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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.55 1.00-1.50 2.55 2.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 High-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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.55 1.00 2.55 2.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.4 1.00 2.40 2.40
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA) MVA - OR	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: OR	0-75: 3.00 76-80: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1.5 0.75	Rate Changed: 03/27/12
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2.3 2.00 2.30 2.30
American National Insurance Company Palladium MYG Annuity 7 High-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	Yes-Disability  No- Unemployment  No- Hospitalization  Yes-Long Term Care  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: NY UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 05/01/12
	Guaranteed Minimum Value:		100% of Premium at 1.00-1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.15 2.15 2.29 2.29

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