Fixed Indexed Annuities
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Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Featured Products
Surrender Charges Last 9 Years
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80 1.75% 100% $1,169 03/01/10 0-75: 7.00+
76-80: 5.25+
Fixed @ 2.80% 1-Year Monthly Average
1-Year Point-to-Point 1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80 1.75% 100% $1,169 03/01/10 0-75: 7.00+
76-80: 5.25+
1-Year Monthly Cap 1-Year Point-to-Point
1-Year Monthly Average Fixed @ 3.00%
Surrender Charges Last 8 Years
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85 2.00% 100% $1,172 03/01/10 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Fixed @ 3.20% Performance Triggered
2-Year Point to Point
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85 2.00% 100% $1,172 03/01/10 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Performance Triggered 2-Year Point to Point
Fixed @ 3.35%
Surrender Charges Last 7 Years
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85 1.50% 100% $1,110 03/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed @ 2.65% 1-Year Point-to-Point
1-Year Monthly Average 1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85 1.50% 100% $1,110 03/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed @ 2.80% 1-Year Monthly Cap
1-Year Monthly Average 1-Year Point-to-Point
Surrender Charges Last 6 Years
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85 1.75% 100% $1,110 03/01/10 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Fixed @ 2.90% Performance Triggered
2-Year Point to Point
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85 1.75% 100% $1,110 03/01/10 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Performance Triggered 2-Year Point to Point
Fixed @ 3.10%
Surrender Charges Last 5 Years
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85 1.25% 100% $1,064 03/01/10 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Point-to-Point 1-Year Monthly Cap
1-Year Monthly Average Fixed @ 2.45%
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85 1.25% 100% $1,064 03/01/10 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Fixed @ 2.60% 1-Year Point-to-Point
1-Year Monthly Cap 1-Year Monthly Average

Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Surrender Charges Last 15 Years
Loyal American Life
Loyal Generation -Low
15 yrs 85 7.50% 3.00% 87.50% $1,465 11/09/09 18-75: 7.25+
76-80: 4.85+
81-85: 3.25+
S&P 500 Annual Point-to-Point S&P 500 Daily Average
S&P 500 Monthly Average S&P 500 Monthly Average with No Cap
Purchase Payment Account @ 2.00% Declared Rate Strategy @ 2.00%
Loyal American Life
Loyal Generation -High
15 yrs 85 7.50% 3.00% 87.50% $1,465 11/09/09 18-75: 7.25+
76-80: 4.85+
81-85: 3.25+
Purchase Payment Account @ 2.00% Declared Rate Strategy @ 2.00%
S&P 500 Annual Point-to-Point S&P 500 Daily Average
S&P 500 Monthly Average S&P 500 Monthly Average with No Cap
National Western Life
Liberty Champion
15 yrs 85 5.00% 02/21/10
Qualified
0-70: 9.25+
71-75: 7.75+
Non-Qualified
0-70: 9.25+
71-80: 7.75+
81-85: 5.50+
Fixed @ 2.85% Option D: Annual Reset with Monthly Cap
Option A: Annual Reset with Monthly Averaging
National Western Life
NWL Ultra Future
15 yrs 80 10.00% 2.00% 87.50% $1,295 02/21/10
Qualified
0-70: 7.00+
71-75: 3.50+
76-80: 2.00+
Non-Qualified
0-75: 7.00+
76-80: 5.00+
Option B: Fixed Account @ 3.40% Option A: Monthly Averaging Annual Reset
Option D: Monthly Cap
Surrender Charges Last 14 Years
National Western Life
NWL Ultra Benefit
14 yrs (NQ) 5.00% 2.00% 87.50% $1,212 02/21/10
Qualified
0-70: 8.00+
71-75: 5.50+
76-80: 3.50+
81-85: 1.00+
Non-Qualified
0-75: 8.00+
76-80: 6.00+
81-85: 3.50+
Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset
Fixed @ 2.50%
North American Company
Charter 14
14 yrs 75 11.00% 1.10% 87.50% $1,132 02/23/10 0-75: 8.50+
1-Year Fixed @ 2.60% 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Lehman Bros. US Aggregate 1-Year Russell 2000 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year Dow Jones Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 400 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75 1.10% 87.50% $1,020 02/23/10 0-75: 5.50+
1-Year Fixed @ 4.40% 1-Year Anual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point Russell 2000
North American Company
North American Prizm Plus 14
14 yrs 75 10.00% 1.10% 87.50% $1,122 02/23/10 0-75: 8.50+
1-Year Fixed @ 3.00% 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average
1-Year S&P 400 Point-to-Point 1-Year S&P 400 Monthly Average
1-Year DJIA Point-to-Point 1-Year DJIA Monthly Average
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Point-to-Point
1-Year Russell 2000 Monthly Averaging 1-Year Nasdaq -100 Monthly Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year Lehman Bros. U.S. Aggregate Point-to-Point
North American Company
Precision 14
14 yrs 75 11.00% 1.10% 87.50% $1,132 02/23/10 0-75: 8.50+
Fixed @ 2.60% Lehman Bros. US Aggregate
Nasdaq -100 Monthly Point-to-Point Nasdaq-100 Annual Point-to-Point
Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point
Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point
Dow Jones EuroStoxx 50 Point-to-Point 1 - Year Hindsight Index Strategy
S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average
S&P 500 Annual Point-to-Point S&P 400 Annual Daily Average
S&P 400 Annual Point-to-Point
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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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