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Age

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Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
North American Company Guarantee Choice 10 High-Band [MVA]	A+	200,000	01/19/12	1-10	3.40	3.40	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	A+	200,000	01/19/12			3.40	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12	1-10	3.25	3.25	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12			3.25	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
ReliaStar Life Insurance Company ING MVA Annuity 10 Mid-Band [MVA, LOAN]	A	35,000	02/01/12	1-10	3.00	3.00	0-75: 5.30 76-90: 2.65
	A	35,000	02/01/12			3.00	0-75: 5.30 76-90: 2.65
ReliaStar Life Insurance Company ING MVA Annuity 10 Low-Band [MVA, LOAN]	A	5,000	02/01/12	1-10	3.00	3.00	0-75: 5.30 76-90: 2.65
	A	5,000	02/01/12			3.00	0-75: 5.30 76-90: 2.65
ReliaStar Life Insurance Company ING MVA Annuity 10 High-Band [MVA, LOAN]	A	100,000	02/01/12	1-10	3.00	3.00	0-75: 5.30 76-90: 2.65
	A	100,000	02/01/12			3.00	0-75: 5.30 76-90: 2.65
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	02/01/12	1-10	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	02/01/12	1-10	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	02/01/12	1-10	2.30	2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	A+	10,000	02/01/12	1-10	2.30	2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
Rate Guaranteed 9 Years
North American Company Guarantee Choice 9 High-Band [MVA]	A+	200,000	01/19/12	1-9	3.30	3.30	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 9 High-Band [MVA]	A+	200,000	01/19/12			3.30	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 9 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12	1-9	3.10	3.10	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 9 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12			3.10	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	A+	100,000	02/01/12	1-9	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 9 High-Band [MVA]	A+	100,000	02/01/12	1-9	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	A+	10,000	02/01/12	1-9	2.30	2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 9 Low-Band [MVA]	A+	10,000	02/01/12	1-9	2.30	2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.30	0-75: 2.50 76-80: 1.60 81-85: 1.00

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 8 Years
North American Company Guarantee Choice 8 High-Band [MVA]	A+	200,000	01/19/12	1-8	3.10	3.10	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 8 High-Band [MVA]	A+	200,000	01/19/12			3.10	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 8 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12	1-8	2.90	2.90	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 8 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12			2.90	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 8 [MVA]	A+	10,000	02/01/12	1-8	2.35	2.35	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.35	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	A+	100,000	02/01/12	1-8	2.35	2.35	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.35	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 8 High-Band [MVA]	A+	10,000	02/01/12	1-8	2.20	2.20	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	10,000	02/01/12			2.20	0-75: 2.50 76-80: 1.60 81-85: 1.00

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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