Fixed Indexed Brief

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Flex? 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 National Western Life North American Company ReliaStar Life Ins. Co. SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age Comm % More Search Options Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate

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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		1.00	100.00	$1,051		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.00	100.00	$1,051		up to 5.00%
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
Surrender Charges Last 7 Years
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.00	100.00	$1,072		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.00	100.00	$1,072		up to 6.00%
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln New Directions 8 Low-Band [MVA]	8		1.00	100.00	$1,083		up to 4.50%
Lincoln Financial Group	Lincoln New Directions 8 High-Band [MVA]	8		1.00	100.00	$1,083		up to 4.50%
Surrender Charges Last 9 Years
Lincoln Financial Group	Lincoln OptiChoice 9 Low-Band [MVA]	9		1.00	100.00	$1,094		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 9 High-Band [MVA]	9		1.00	100.00	$1,094		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		1.00	100.00	$1,051		up to 5.00%
North American Company	North American Formula Choice (TX) [TSA, MVA, LOAN]	5		1.00	100.00	$1,051
Surrender Charges Last 6 Years
North American Company	Freedom Choice 6 Low-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
North American Company	Freedom Choice 6 High-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
North American Company	Freedom Choice (5%) 6 Low-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
North American Company	Freedom Choice (5%) 6 High-Band [TSA, MVA, LOAN]	6		1.00	87.50	$ 929		up to 5.50%
Surrender Charges Last 7 Years
National Western Life	NWL IMPACT 7 S [LOAN]	7	5.00	1.00	87.50	$ 985		up to 4.50%
National Western Life	NWL IMPACT 7 [LOAN]	7	5.00	1.00	87.50	$ 985		up to 5.50%
North American Company	Charter 7 (TX) [TSA, MVA, LOAN]	7		1.00	87.50	$ 938
North American Company	Precision 7 (TX) [TSA, MVA, LOAN]	7		1.00	87.50	$ 938
North American Company	Precision 7 [TSA, MVA, LOAN]	7		1.00	87.50	$ 938		up to 7.50%
North American Company	North American Prizm Plus 7 [TSA, MVA, LOAN]	7		1.00	87.50	$ 938		up to 7.50%
North American Company	Charter 7 [TSA, MVA, LOAN]	7		1.00	87.50	$ 938		up to 7.50%
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	4.00	1.00	100.00	$1,126		up to 6.00%
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	3.00	1.00	100.00	$1,115		up to 6.00%
North American Company	NA Performance Choice 8 Plus [MVA]	8	5.00	1.00	87.50	$ 995		up to 5.50%
North American Company	Freedom Choice (5%) 8 Low-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice (5%) 8 High-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	NA Performance Choice 8 [MVA]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice 8 Low-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
North American Company	Freedom Choice 8 High-Band [TSA, MVA, LOAN]	8		1.00	87.50	$ 948		up to 5.50%
Surrender Charges Last 9 Years
National Western Life	NWL Ultra Value [LOAN]	9	2.00	1.00	87.50	$ 976		up to 5.00%
National Western Life	NWL Global Lookback [LOAN]	9		1.00	87.50	$ 957		up to 6.50%
National Western Life	NWL Ultra Future (2% Bonus states) [LOAN]	9	2.00	3.00				up to 5.00%
Surrender Charges Last 10 Years
North American Company	North American Paramount Choice Ten [MVA, LOAN]	10	7.00	1.00	100.00	$1,182		up to 6.50%
North American Company	North American Ten [MVA, LOAN]	10	7.00	1.00	100.00	$1,182		up to 6.50%
Lincoln Financial Group	Lincoln OptiPoint 10 High-Band [MVA]	10	5.00	1.00	100.00	$1,160		up to 7.00%
Lincoln Financial Group	Lincoln OptiPoint 10 Low-Band [MVA]	10	4.00	1.00	100.00	$1,149		up to 7.00%
National Western Life	NWL IMPACT 10 [LOAN]	10	7.00	1.00	87.50	$1,034		up to 6.50%
North American Company	Precision 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
North American Company	North American Prizm Plus 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
North American Company	Charter 10 [TSA, MVA, LOAN]	10	5.00	1.00	87.50	$1,015		up to 7.50%
North American Company	Freedom Choice 10 Low-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice 10 High-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice (5%) 10 Low-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Freedom Choice (5%) 10 High-Band [TSA, MVA, LOAN]	10		1.00	87.50	$ 967		up to 5.50%
North American Company	Precision 10 (TX) [TSA, MVA, LOAN]	10		1.00	87.50	$ 967
North American Company	Charter 10 (TX) [TSA, MVA, LOAN]	10		1.00	87.50	$ 967
North American Company	Pillar [LOAN]	10	5.00					up to 6.50%
Surrender Charges Last 12 Years
North American Company	NA Performance Choice 12 Plus [MVA]	12	8.00	1.00	87.50	$1,065		up to 6.50%
North American Company	NA Performance Choice 12 [MVA]	12		1.00	87.50	$ 986		up to 6.50%
Surrender Charges Last 13 Years
National Western Life	NWL Ultra Classic [LOAN]	13		1.00	87.50	$ 996		up to 10.00%
Surrender Charges Last 14 Years
North American Company	Precision 14 [TSA, MVA, LOAN]	14	10.00	1.00	87.50	$1,106		up to 7.50%
North American Company	Charter 14 [TSA, MVA, LOAN]	14	10.00	1.00	87.50	$1,106		up to 7.50%
North American Company	North American Prizm Plus 14 [TSA, MVA, LOAN]	14	10.00	1.00	87.50	$1,106		up to 7.50%
National Western Life	NWL Ultra Benefit [LOAN]	14	4.00-5.00	1.00	87.50	$1,056		up to 6.00%
North American Company	Freedom Choice 14 Low-Band [TSA, MVA, LOAN]	14		1.00	87.50	$1,006		up to 5.50%
North American Company	Freedom Choice 14 High-Band [TSA, MVA, LOAN]	14		1.00	87.50	$1,006		up to 5.50%
North American Company	Freedom Choice (5%) 14 Low-Band [TSA, MVA, LOAN]	14		1.00	87.50	$1,006		up to 5.50%
North American Company	Freedom Choice (5%) 14 High-Band [TSA, MVA, LOAN]	14		1.00	87.50	$1,006		up to 5.50%
North American Company	Charter 14 (TX) [TSA, LOAN]	14		1.00	87.50	$1,006
Surrender Charges Last 15 Years
National Western Life	NWL Ultra Future [LOAN]	15	4.75-10.00	1.00	87.50	$1,117		up to 5.00%

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