Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Featured Products
Surrender Charges Last 9 Years
Lincoln Financial Group Lincoln OptiChoice 9 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	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: NY	0-75: 7.00+ 76-80: 5.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,169)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.80% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.35 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Point-to-Point S&P 500 Point to Point Annual None     5.45
Lincoln Financial Group Lincoln OptiChoice 9 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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: NY	0-75: 7.00+ 76-80: 5.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,169)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point S&P 500 Point to Point Annual None     5.90 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.50 Fixed 1-Year Fixed Rate (no bonus) 3.00%
Surrender Charges Last 8 Years
Lincoln Financial Group Lincoln New Directions 8 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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  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 OR	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		9 8 7 6 4.75 3.5 2 0.75
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,172)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 3.20% Performance Triggered S&P 500 Perf Trig Annual None     5.75 2-Year Point to Point S&P 500 Point to Point Biennial None     14.10
Lincoln Financial Group Lincoln New Directions 8 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 OR	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		9 8 7 6 4.75 3.5 2 0.75
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,172)
	Account Name Indicie Type Reset Averaging Part Spread Cap Performance Triggered S&P 500 Perf Trig Annual None     6.00 2-Year Point to Point S&P 500 Point to Point Biennial None     14.85 Fixed 1-Year Fixed Rate (no bonus) 3.35%
Surrender Charges Last 7 Years
Lincoln Financial Group Lincoln OptiChoice 7 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	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: NY	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.65% 1-Year Point-to-Point S&P 500 Point to Point Annual None     5.15 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.25
Lincoln Financial Group Lincoln OptiChoice 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: NY	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.80% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.35 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Point-to-Point S&P 500 Point to Point Annual None     5.45
Surrender Charges Last 6 Years
Lincoln Financial Group Lincoln New Directions 6 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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  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 OR	0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		9 8 7 6 4.75 3.5
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.90% Performance Triggered S&P 500 Perf Trig Annual None     5.20 2-Year Point to Point S&P 500 Point to Point Biennial None     12.60
Lincoln Financial Group Lincoln New Directions 6 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 OR	0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		9 8 7 6 4.75 3.5
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Performance Triggered S&P 500 Perf Trig Annual None     5.55 2-Year Point to Point S&P 500 Point to Point Biennial None     13.60 Fixed 1-Year Fixed Rate (no bonus) 3.10%
Surrender Charges Last 5 Years
Lincoln Financial Group Lincoln OptiChoice 5 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	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: NY	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5
	Guaranteed Minimum Value:		100% of Premium at 1.25%  (GMR/1000 $1,064)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Point-to-Point S&P 500 Point to Point Annual None     4.70 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.05 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   Fixed 1-Year Fixed Rate (no bonus) 2.45%
Lincoln Financial Group Lincoln OptiChoice 5 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: NY	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5
	Guaranteed Minimum Value:		100% of Premium at 1.25%  (GMR/1000 $1,064)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.60% 1-Year Point-to-Point S&P 500 Point to Point Annual None     5.00 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.15 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 15 Years
Loyal American Life Loyal Generation Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT DE NY OR PR VI	18-75: 7.25+ 76-80: 4.85+ 81-85: 3.25+ see notes
	Withdrawal Notes:			Prem Bonus: 5.50-7.50
	Age 85+ (10 years): 10 9 8 7 6 5 4 3 2 1 Ages 55 to 84 (15 years): 17 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%  (GMR/1000 $1,465)
	Account Name Indicie Type Reset Averaging Part Spread Cap Purchase Payment Account 1-Year Fixed Rate (no bonus) 2.00% Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.00% S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.00 S&P 500 Daily Average S&P 500 Point to Point Annual Daily 65     S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly     4.50 S&P 500 Monthly Average with No Cap S&P 500 Point to Point Annual Monthly   4.00
Loyal American Life Loyal Generation 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  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT DE NY OR PR VI	18-75: 7.25+ 76-80: 4.85+ 81-85: 3.25+ see notes
	Withdrawal Notes:			Prem Bonus: 5.50-7.50
	Age 85+ (10 years): 10 9 8 7 6 5 4 3 2 1 Ages 55 to 84 (15 years): 17 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%  (GMR/1000 $1,465)
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.00 S&P 500 Daily Average S&P 500 Point to Point Annual Daily 70     S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly     4.50 S&P 500 Monthly Average with No Cap S&P 500 Point to Point Annual Monthly   3.75   Purchase Payment Account 1-Year Fixed Rate (no bonus) 2.00% Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.00%
National Western Life Liberty Champion	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	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: WY	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qual 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 15 years:		20 20 20 20 20 20 18 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.85% Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 65 0.75
National Western Life NWL Ultra Future	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	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	Not Available in: AK AL CT MS NY OR	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qual 0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 4.75-10.00
	Withdrawal Charges 15 years:		19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,295)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 3.40% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 65 0.25   Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.75
Surrender Charges Last 14 Years
National Western Life NWL Ultra Benefit	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-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: AK AL CT DE FL IL IN MA MN MS NJ NY OR PA UT WA	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qual 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 14 years:		16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,212)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option A: Monthly Average Annual Reset S&P 500 Point to Point Annual Monthly 55 0.75   Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     2.00 Fixed 1-Year Fixed Rate (no bonus) 2.50%
North American Company Charter 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	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 NY OR PR UT VI WA	0-75: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 11.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.60% 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.80 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     7.15 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     6.00 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 4.60 1-Year Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None     3.00 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     5.20 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     4.60 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     6.20 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   5.05 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     4.55 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     5.35 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     5.25 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 4.70
North American Company Freedom Choice 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	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 MT NV NY OR PA PR UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 4.40% 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     3.85 1-Year Anual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     9.70 1-Year Anual Point-to-Point DJIA DJIA Point to Point Annual None     9.15 1-Year Anual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     9.40 1-Year Anual Point-to-Point S&P 400 S&P 400 Point to Point Annual None     9.15 1-Year Monthly Point-to-Point NASDAQ 100 Nasdaq 100 Point to Point Annual Monthly Sum     3.10 1-Year Anual Point-to-Point NADAQ 100 Nasdaq 100 Point to Point Annual None     8.10 1-Year Anual Point-to-Point LB U.S. Aggregate LB US Aggregate Bond Point to Point Annual None     4.25 1-Year Anual Point-to-Point Russell 2000 Russell 2000 Point to Point Annual None     8.10
North American Company North American Prizm Plus 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	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  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 NV NY OR PR UT VI WA	0-75: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.00% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     3.00 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None 35     1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly 60     1-Year S&P 400 Point-to-Point S&P 400 Point to Point Annual None 25     1-Year S&P 400 Monthly Average S&P 400 Point to Point Annual Monthly 40     1-Year DJ EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 35     1-Year DJIA Point-to-Point DJIA Point to Point Annual None 35     1-Year DJIA Monthly Average DJIA Point to Point Annual Monthly 60     1-Year Russell 2000 Point-to-Point Russell 2000 Point to Point Annual None 25     1-Year Russell 2000 Monthly Averaging Russell 2000 Point to Point Annual Monthly 45     1-Year Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly     2.30 1-Year Lehman Bros. U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None 55     1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None 30
North American Company Precision 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	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 NY OR PR UT VI WA	0-75: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 11.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.60% Lehman Bros. US Aggregate LB US Aggregate Bond Point to Point Annual None 50   5.50 Nasdaq -100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.20 Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 50   5.50 Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily 45   100.00 Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None 50   5.50 Dow Jones Annual Daily Average DJIA Point to Point Annual Daily 60   100.00 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 75   5.50 Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None 50   5.50 1 - Year Hindsight Index Strategy Blended Indicies Point to Point Annual None 50   5.50 S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100   2.80 S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily 60   100.00 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 70   6.50 S&P 400 Annual Daily Average S&P 400 Point to Point Annual Daily 45   100.00 S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 55   5.50

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