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Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Featured Products
Rate Guaranteed 10 Years
Integrity Life Insurance Momentum Advantage 10 [MVA]	A++	20,000	11/10/08	1	6.00	5.32	0-79: 3.50 80-83: 1.50
Integrity Life Insurance Momentum Advantage 10 [MVA]	A++	20,000	11/10/08	2-10	5.25	5.32	0-79: 3.50 80-83: 1.50
Rate Guaranteed 7 Years
Integrity Life Insurance Momentum Advantage 7 [MVA]	A++	20,000	11/10/08	1	5.90	5.26	0-79: 3.00 80-85: 1.00
Integrity Life Insurance Momentum Advantage 7 [MVA]	A++	20,000	11/10/08	2-7	5.15	5.26	0-79: 3.00 80-85: 1.00
Rate Guaranteed 5 Years
Integrity Life Insurance Momentum Advantage 5 [MVA]	A++	20,000	11/10/08	1	5.20	4.60	0-79: 2.50 80-86: 0.50
Integrity Life Insurance Momentum Advantage 5 [MVA]	A++	20,000	11/10/08	2-5	4.45	4.60	0-79: 2.50 80-86: 0.50
Reliance Standard Life Elektra 579 (5) [MVA]	A	10,000	10/07/08	1	5.20	4.40	0-75: 3.00 76-80: 2.40 81-85: 1.80
Reliance Standard Life Elektra 579 (5) [MVA]	A	10,000	10/07/08	2-5	4.20	4.40	0-75: 3.00 76-80: 2.40 81-85: 1.80
Rate Guaranteed 4 Years
Integrity Life Insurance Momentum Advantage 4 [MVA]	A++	20,000	11/10/08	1	4.50	3.94	0-79: 2.00 80-86: 0.50
Integrity Life Insurance Momentum Advantage 4 [MVA]	A++	20,000	11/10/08	2-4	3.75	3.94	0-79: 2.00 80-86: 0.50

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
Standard Life of Indiana Total Command 10 Mid-Band [MVA]	B++	250,000		11/12/08	1	7.50	6.60	0-75: 3.50 76-80: 2.50 81-85: 1.66
Standard Life of Indiana Total Command 10 Mid-Band [MVA]	B++	250,000		11/12/08	2-10	6.50	6.60	0-75: 3.50 76-80: 2.50 81-85: 1.66
Standard Life of Indiana Total Command 10 Mid-Band [MVA]	B++	25,000		11/12/08	1	7.40	6.50	0-75: 3.50 76-80: 2.50 81-85: 1.66
Standard Life of Indiana Total Command 10 Mid-Band [MVA]	B++	25,000		11/12/08	2-10	6.40	6.50	0-75: 3.50 76-80: 2.50 81-85: 1.66
Standard Life of Indiana Total Command 10 High-Band [MVA]	B++	1,000,000		11/01/08	1	7.15	6.25	0-75: 3.50 76-80: 2.50 81-85: 1.66
Standard Life of Indiana Total Command 10 High-Band [MVA]	B++	1,000,000		11/01/08	2-10	6.15	6.25	0-75: 3.50 76-80: 2.50 81-85: 1.66
West Coast Life Sure Advantage 10 High-Band [MVA]	A+	100,000	1.00	11/18/08	1-10	6.05	6.16	0-75: 2.50 76-85: 1.00
	A+	100,000	1.00	11/18/08			6.16	0-75: 2.50 76-85: 1.00
	Next Rate:			11/25/08	1-10	6.05	6.16	No Change
	Next Rate:			11/25/08			6.16	No Change
West Coast Life Sure Advantage 10 Low-Band [MVA]	A+	10,000		11/18/08	1-10	6.05	6.05	0-75: 2.50 76-85: 1.00
	A+	10,000		11/18/08			6.05	0-75: 2.50 76-85: 1.00
	Next Rate:			11/25/08	1-10	6.05	6.05	No Change
	Next Rate:			11/25/08			6.05	No Change
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	A-	60,000		11/11/08	1-10	6.00	6.00	0-80: 3.00 81-90: 2.25
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	A-	60,000		11/11/08			6.00	0-80: 3.00 81-90: 2.25
EquiTrust Life Insurance Company Certainty 10 [MVA]	A-	60,000		11/11/08	1-10	6.00	6.00	0-80: 3.00 81-90: 2.25
EquiTrust Life Insurance Company Certainty 10 [MVA]	A-	60,000		11/11/08			6.00	0-80: 3.00 81-90: 2.25
Standard Life of Indiana Total Command 10 Low-Band [MVA]	B++	5,000		11/12/08	1	6.80	5.90	0-75: 3.50 76-80: 2.50 81-85: 1.66
Standard Life of Indiana Total Command 10 Low-Band [MVA]	B++	5,000		11/12/08	2-10	5.80	5.90	0-75: 3.50 76-80: 2.50 81-85: 1.66
Standard Life of Indiana Total Command Flex Annuity 10 Mid-Band [MVA]	B++	250,000		11/12/08	1	6.75	5.85	0-75: 7.50 76-80: 5.13 81-85: 1.85
	B++	250,000		11/12/08	2-10	5.75	5.85	0-75: 7.50 76-80: 5.13 81-85: 1.85
Standard Life of Indiana Total Command Flex Annuity 10 Mid-Band [MVA]	B++	25,000		11/12/08	1	6.65	5.75	0-75: 7.50 76-80: 5.13 81-85: 1.85
	B++	25,000		11/12/08	2-10	5.65	5.75	0-75: 7.50 76-80: 5.13 81-85: 1.85
American General Life Insurance Company AG HorizonSelect 10 [MVA]	A	5,000		11/10/08	1-10	5.70	5.70	0-80: 4.00 81-85: 3.00
	A	5,000		11/10/08			5.70	0-80: 4.00 81-85: 3.00
AIG Annuity Insurance Company Set Rate 10	A	5,000 Q:2,000		10/06/08	1-10	5.55	5.55	0-85: 5.25
AIG Annuity Insurance Company Set Rate 10	A	5,000 Q:2,000		10/06/08			5.55	0-85: 5.25
Standard Life of Indiana Total Command Flex Annuity 10 High-Band [MVA]	B++	1,000,000		11/01/08	1	6.40	5.50	0-75: 7.50 76-80: 5.13 81-85: 1.85
	B++	1,000,000		11/01/08	2-10	5.40	5.50	0-75: 7.50 76-80: 5.13 81-85: 1.85

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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