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State

Premium

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Rating

Company

Rate Gtd

Age

Comm
%

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 7 Years
Lincoln Financial Group Lincoln ClassicSM 7 High-Band [MVA]	A+	100,000	07/01/09	1	6.65	4.07	0-75: 5.00 76-80: 3.50 81-85: 1.75
	A+	100,000	07/01/09	2-7	3.65	4.07	0-75: 5.00 76-80: 3.50 81-85: 1.75
Lincoln Life & Annuity of New York JPF Classic-NY 7 High-Band [MVA]	A+	100,000	07/01/09	1	6.65	4.07	0-75: 5.00 76-80: 2.75 81-85: 1.50
	A+	100,000	07/01/09	2-7	3.65	4.07	0-75: 5.00 76-80: 2.75 81-85: 1.50
Lincoln Financial Group Lincoln ClassicSM 7 Low-Band [MVA]	A+	10,000	07/01/09	1	5.65	3.93	0-75: 5.00 76-80: 3.50 81-85: 1.75
	A+	10,000	07/01/09	2-7	3.65	3.93	0-75: 5.00 76-80: 3.50 81-85: 1.75
Lincoln Life & Annuity of New York JPF Classic-NY 7 Low-Band [MVA]	A+	10,000	07/01/09	1	5.65	3.93	0-75: 5.00 76-80: 2.75 81-85: 1.50
	A+	10,000	07/01/09	2-7	3.65	3.93	0-75: 5.00 76-80: 2.75 81-85: 1.50
Rate Guaranteed 5 Years
Loyal American Life Loyal SureSaver 5 High-Band [MVA]	A	100,000	05/04/09	1-5	3.80	3.80	0-74: 0.75 75-89: 0.51
Loyal American Life Loyal SureSaver 5 High-Band [MVA]	A	100,000	05/04/09			3.80	0-74: 0.75 75-89: 0.51
Lincoln Life & Annuity of New York JPF Classic-NY 5 High-Band [MVA]	A+	100,000	07/01/09	1	5.25	3.65	0-75: 4.00 76-80: 2.75 81-85: 1.50
	A+	100,000	07/01/09	2-5	3.25	3.65	0-75: 4.00 76-80: 2.75 81-85: 1.50
Lincoln Financial Group Lincoln ClassicSM 5 High-Band [MVA]	A+	100,000	07/01/09	1	5.25	3.65	0-75: 4.00 76-80: 2.75 81-85: 1.50
	A+	100,000	07/01/09	2-5	3.25	3.65	0-75: 4.00 76-80: 2.75 81-85: 1.50
Loyal American Life Loyal SureSaver 5 Low-Band [MVA]	A	10,000	05/04/09	1-5	3.45	3.45	0-74: 0.75 75-89: 0.51
Loyal American Life Loyal SureSaver 5 Low-Band [MVA]	A	10,000	05/04/09			3.45	0-74: 0.75 75-89: 0.51
Lincoln Life & Annuity of New York JPF Classic-NY 5 Low-Band [MVA]	A+	10,000	07/01/09	1	4.25	3.45	0-75: 4.00 76-80: 2.75 81-85: 1.50
	A+	10,000	07/01/09	2-5	3.25	3.45	0-75: 4.00 76-80: 2.75 81-85: 1.50
Lincoln Financial Group Lincoln ClassicSM 5 Low-Band [MVA]	A+	10,000	07/01/09	1	4.25	3.45	0-75: 4.00 76-80: 2.75 81-85: 1.50
	A+	10,000	07/01/09	2-5	3.25	3.45	0-75: 4.00 76-80: 2.75 81-85: 1.50

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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