Fixed Indexed Brief

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Company - Any - Lincoln Financial Group Lincoln Life & Annuity of New York National Western Life North American Company ReliaStar Life Ins. Co.

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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Featured Products
Surrender Charges Last 5 Years
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
Surrender Charges Last 7 Years
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln New Directions 8 Low-Band [MVA]	8		2.00	100.00	$1,172		up to 4.50%
Lincoln Financial Group	Lincoln New Directions 8 High-Band [MVA]	8		2.00	100.00	$1,172		up to 4.50%
Surrender Charges Last 9 Years
Lincoln Financial Group	Lincoln OptiChoice 9 Low-Band [MVA]	9		1.75	100.00	$1,169		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 9 High-Band [MVA]	9		1.75	100.00	$1,169		up to 7.00%

Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Surrender Charges Last 5 Years
North American Company	North American Formula Choice [TSA, MVA, LOAN]	5						up to 5.00%
Surrender Charges Last 6 Years
North American Company	Freedom Choice 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
Surrender Charges Last 7 Years
North American Company	North American Prizm Plus 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 7.50%
North American Company	Precision 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 7.50%
North American Company	Charter 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 7.50%
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	3.00	1.60	100.00	$1,169		up to 3.00%
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	2.00	1.60	100.00	$1,158		up to 3.00%
North American Company	Freedom Choice 8 Low-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%

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