MYGA Detail Sheet

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Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company - Any - Lincoln Financial Group Lincoln Life & Annuity of New York Loyal American Life National Western Life North American Company

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 10 Years
North American Company NA Guarantee Choice 10 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 6 4 2	Rate Changed: 02/23/10
	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 3.85 2.00 3.85 3.85
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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.60
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	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 3.65 1.70 3.65 3.65
North American Company NA Guarantee Choice 10 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 6 4 2	Rate Changed: 02/23/10
	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 3.65 2.00 3.65 3.65
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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.60
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	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 1.70 3.50 3.50
Surrender Charges Last 9 Years
North American Company NA Guarantee Choice 9 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		10 10 10 10 10 9 8 6 4	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.65 2.00 3.65 3.65
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.60%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.6 1.60 3.60 3.60
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.60%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.45 1.60 3.45 3.45
North American Company NA Guarantee Choice 9 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		10 10 10 10 10 9 8 6 4	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.45 2.00 3.45 3.45
Surrender Charges Last 8 Years
North American Company NA Guarantee Choice 8 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		10 10 10 10 10 9 8 6	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	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 3.65 2.00 3.65 3.65
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 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 3.55 1.50 3.55 3.55
North American Company NA Guarantee Choice 8 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		10 10 10 10 10 9 8 6	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	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 3.45 2.00 3.45 3.45
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 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 3.4 1.50 3.40 3.40
Surrender Charges Last 7 Years
North American Company NA Guarantee Choice 7 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 200,000 Monthly: 200,000 Qualified Single: 200,000 Monthly: 200,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		10 10 10 10 10 9 8	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.65 2.00 3.65 3.65
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.40%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.5 1.40 3.50 3.50
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 7 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NY	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 01/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.40%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.5 1.40 3.50 3.50
North American Company NA Guarantee Choice 7 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MO NY OR PR UT VA VI WA	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		10 10 10 10 10 9 8	Rate Changed: 02/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.45 2.00 3.45 3.45
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.40%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.35 1.40 3.35 3.35
Lincoln Life & Annuity of New York Lincoln MYGuaranteesm Plus 7 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- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NY	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1	Rate Changed: 01/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.40%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.35 1.40 3.35 3.35
Lincoln Financial Group Lincoln ClassicSM 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	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MN NY	0-75: 5.00 76-80: 3.50 81-85: 1.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	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 3% 5.75 2.75 3.17 3.17
Lincoln Life & Annuity of New York Lincoln Classic-NY 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	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: NY	0-75: 5.00 76-80: 2.75 81-85: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 01/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.35%	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 3% 5.75 2.75 3.17 3.17

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