Encore Annuity and Life MULTI-YEAR GUARANTEE ANNUITIES (CD Type)

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Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company - Any - Allianz Life Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Annuity Investors Life (Great Amer. Life) Assurity Life Aviva Life & Annuity Aviva Life and Annuity Dearborn National EquiTrust Life Ins. Co. Forethought Financial Genworth Life Ins. Co. Great Amer. Life Ins. Co. ING USA Annuity and Life Integrity Life Insurance Investors Ins. (Legacy) Lincoln Financial Group Loyal American Life National Western Life North American Company OM Financial (Legacy) OM Financial Life Ins. Co. Oxford Life Insurance Co. Principal Financial Group RBC Insurance Reliance Standard Life Sun Life Financial Symetra Life Insurance Co. The Standard United of Omaha West Coast Life

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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
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	30,000		03/12/10	1-10	4.15	4.15		0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	30,000		03/12/10	1-10	4.15	4.15		0-80: 3.00+ 81-90: 2.25+ see notes
West Coast Life Sure Advantage 10 High-Band [MVA]	A+	100,000	1.00	03/09/10	1-10	3.75	3.85		0-75: 2.50 76-85: 1.00
North American Company NA Guarantee Choice 10 High-Band [MVA]	A+	200,000		02/23/10	1-10	3.85	3.85		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
ING USA Annuity and Life Guaranteed Choice 10 High-Band [MVA]	A	75,000		12/10/09	1	4.70	3.80		see notes
					2-10	3.70
	Next Rate:			03/17/10	1	4.70	3.80		No Change
					2-10	3.70
West Coast Life Sure Advantage 10 Low-Band [MVA]	A+	10,000		03/09/10	1-10	3.75	3.75		0-75: 2.50 76-85: 1.00
American General Life Insurance Company AG HorizonSelect 10 [MVA]	A	5,000		02/08/10	1-10	3.75	3.75		0-80: 4.00 81-85: 3.00
American National Insurance Company Palladium MYG Annuity 10 High-Band [MVA]	A	100,000		03/01/10	1	4.65	3.75		0-79: 4.00 80-85: 2.00
					2-10	3.65
ING USA Annuity and Life Guaranteed Choice 10 Low-Band [MVA]	A	15,000		12/10/09	1-10	3.70	3.70		see notes
	Next Rate:			03/17/10	1-10	3.70	3.70		No Change
Integrity Life Insurance Momentum Advantage 10 [MVA]	A+	20,000		02/28/10	1	4.35	3.67		0-79: 3.50 80-83: 1.50
					2-10	3.60
American National Insurance Company Palladium MYG Annuity 10 Low-Band [MVA]	A	5,000		03/01/10	1	4.55	3.65		0-79: 4.00 80-85: 2.00
					2-10	3.55
Allianz Life Dominator Plus 10 High-Band [MVA, LOAN]	A	100,000		03/02/10	1-10	3.65	3.65		0-75: 4.00 76-80: 3.00 81-85: 2.00
North American Company NA Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-10	3.65	3.65		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 High-Band [MVA]	A+	100,000		03/01/10	1-10	3.65	3.65		0-75: 2.50 76-80: 1.60 81-85: 1.60
Allianz Life Dominator Plus 10 Mid-Band [MVA, LOAN]	A	25,000		03/02/10	1-10	3.55	3.55		0-75: 4.00 76-80: 3.00 81-85: 2.00
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 Low-Band [MVA]	A+	10,000		03/01/10	1-10	3.50	3.50		0-75: 2.50 76-80: 1.60 81-85: 1.60
American General Life Insurance Company AG Horizon Choice 10 [MVA]	A	5,000 Q:2,000		02/08/10	1-10	3.45	3.45		0-85: 5.00+ see notes
Integrity Life Insurance New Momentum 10 [MVA]	A+	5,000 Q:2,000		02/28/10	1	3.90	3.22		0-79: 5.00 80-85: 3.00
					2-10	3.15
Investors Insurance (Legacy) RateMark 10 [MVA]	A-	5,000 Q:3,000		03/01/10	1-10	3.20	3.20		0-80: 4.00 81-UP: 2.00
Investors Insurance (Legacy) EnhanceMark 10 [MVA]	A-	50,000		03/01/10	1-10	2.05	2.05		0-80: 8.00 81-86: 4.00

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender		Commissions Age: Rate
Rate Guaranteed 9 Years
American General Life Insurance Company AG Horizon Choice 9 [MVA]	A	5,000 Q:2,000		02/08/10	1-9	3.85	3.85		0-85: 2.65+ see notes
West Coast Life Sure Advantage 9 High-Band [MVA]	A+	100,000	1.00	03/09/10	1-9	3.60	3.71		0-75: 2.50 76-85: 1.00
North American Company NA Guarantee Choice 9 High-Band [MVA]	A+	200,000		02/23/10	1-9	3.65	3.65		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 High-Band [MVA]	A+	100,000		03/01/10	1-9	3.60	3.60		0-75: 2.50 76-80: 1.60 81-85: 1.00
West Coast Life Sure Advantage 9 Low-Band [MVA]	A+	10,000		03/09/10	1-9	3.60	3.60		0-75: 2.50 76-85: 1.00
American National Insurance Company Palladium MYG Annuity 9 High-Band [MVA]	A	100,000		03/01/10	1	5.30	3.52		0-79: 3.00 80-85: 1.00
					2-9	3.30
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 Low-Band [MVA]	A+	10,000		03/01/10	1-9	3.45	3.45		0-75: 2.50 76-80: 1.60 81-85: 1.00
North American Company NA Guarantee Choice 9 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-9	3.45	3.45		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
American National Insurance Company Palladium MYG Annuity 9 Low-Band [MVA]	A	5,000		03/01/10	1	5.20	3.42		0-79: 3.00 80-85: 1.00
					2-9	3.20
Principal Financial Group Select Series 9 High-Band [MVA]	A+	100,000		03/01/10	1-9	2.45	2.45		0-79: 1.00 80-85: 0.50
	Next Rate:			03/15/10	1-9	2.45	2.45		No Change
Principal Financial Group Select Series 9 Low-Band [MVA]	A+	5,000		03/01/10	1-9	2.25	2.25		0-79: 1.00 80-85: 0.50
	Next Rate:			03/15/10	1-9	2.25	2.25		No Change
Dearborn National Destination Fortifier 9 [MVA]	A+	4,000			1-9

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender		Commissions Age: Rate
Rate Guaranteed 8 Years
EquiTrust Life Insurance Company Certainty Select 8 [MVA]	B+	30,000		03/12/10	1-8	4.00	4.00		0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 8 [MVA]	B+	30,000		03/12/10	1-8	4.00	4.00		0-80: 3.00+ 81-90: 2.25+ see notes
American National Insurance Company Palladium MYG Annuity 8 High-Band [MVA]	A	100,000		03/01/10	1-8	3.80	3.80		0-79: 2.50 80-85: 0.50
American National Insurance Company Palladium MYG Annuity 8 Low-Band [MVA]	A	5,000		03/01/10	1-8	3.70	3.70		0-79: 2.50 80-85: 0.50
North American Company NA Guarantee Choice 8 High-Band [MVA]	A+	200,000		02/23/10	1-8	3.65	3.65		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
West Coast Life Sure Advantage 8 High-Band [MVA]	A+	100,000	1.00	03/09/10	1-8	3.45	3.58		0-75: 2.50 76-85: 1.00
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 High-Band [MVA]	A+	100,000		03/01/10	1-8	3.55	3.55		0-75: 2.50 76-80: 1.60 81-85: 1.00
American General Life Insurance Company AG Horizon Choice 8 [MVA]	A	5,000 Q:2,000		02/08/10	1-8	3.50	3.50		0-85: 3.50+ see notes
West Coast Life Sure Advantage 8 Low-Band [MVA]	A+	10,000		03/09/10	1-8	3.45	3.45		0-75: 2.50 76-85: 1.00
North American Company NA Guarantee Choice 8 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-8	3.45	3.45		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 Low-Band [MVA]	A+	10,000		03/01/10	1-8	3.40	3.40		0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln New Directions 8 High-Band [MVA]	A+	100,000		03/01/10	1-8	3.35	3.35		0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
Lincoln Financial Group Lincoln New Directions 8 Low-Band [MVA]	A+	10,000		03/01/10	1-8	3.20	3.20		0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
7.5% Guaranteed Lifetime Income Rider
RBC Insurance RBC Enhanced Choice 8 SPDA [MVA]	A	5,000	2.00	03/01/10	1	3.00	2.38		0-75: 6.00+ 76-80: 4.50+ 81-85: 3.50+ see notes
					2-8	2.00
Dearborn National Destination Fortifier 8 [MVA]	A+	4,000			1-8

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender		Commissions Age: Rate
Rate Guaranteed 7 Years
OM Financial Life Insurance Company OMGuarantee-Platinum 7 [MVA]	A-	5,000 Q:2,000		03/01/10	1-7	4.15	4.15		0-79: 3.25 80-90: 1.67
OM Financial Life Insurance Company OMGuarantee-Plus 7 [MVA]	A-	5,000 Q:2,000		03/01/10	1	5.00	4.14		0-79: 3.25 80-90: 1.63
					2-7	4.00
American Equity Investment Life Insurance Company Guarantee 7 (SPDA-MYGA) MVA [MVA]	A-	10,000		11/04/09	1-7	3.75	3.75		0-75: 3.00 76-80: 2.00
North American Company NA Guarantee Choice 7 High-Band [MVA]	A+	200,000		02/23/10	1-7	3.65	3.65		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
American National Insurance Company Palladium MYG Annuity 7 High-Band [MVA]	A	100,000		03/01/10	1	4.45	3.59		0-79: 2.50 80-85: 0.50
					2-7	3.45
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 High-Band [MVA]	A+	100,000		03/01/10	1-7	3.50	3.50		0-75: 2.50 76-80: 1.60 81-85: 1.00
American National Insurance Company Palladium MYG Annuity 7 Low-Band [MVA]	A	5,000		03/01/10	1	4.35	3.49		0-79: 2.50 80-85: 0.50
					2-7	3.35
American General Life Insurance Company AG HorizonSelect 7 [MVA]	A	5,000		02/08/10	1-7	3.45	3.45		0-80: 4.00 81-85: 3.00
North American Company NA Guarantee Choice 7 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-7	3.45	3.45		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Integrity Life Insurance Momentum Advantage 7 [MVA]	A+	20,000		02/28/10	1	4.05	3.41		0-79: 3.00 80-85: 1.00
					2-7	3.30
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 Low-Band [MVA]	A+	10,000		03/01/10	1-7	3.35	3.35		0-75: 2.50 76-80: 1.60 81-85: 1.00
OM Financial Life Insurance Company OMIndex-Safety 7 High-Band	A-	100,000		03/01/10	1-7	3.30	3.30		0-79: 5.50 80-85: 2.75
West Coast Life Sure Advantage 7 High-Band [MVA]	A+	100,000	1.00	03/09/10	1-7	3.10	3.25		0-75: 2.50 76-85: 1.00
American General Life Insurance Company AG HorizonSecure 7	A	5,000		02/08/10	1-7	3.25	3.25		0-80: 4.00 81-85: 3.00
American Equity Investment Life Insurance Company Guarantee 7 (SPDA-MYGA)	A-	10,000		11/04/09	1-7	3.25	3.25		0-75: 2.50 76-80: 1.50
Lincoln Financial Group Lincoln ClassicSM 7 High-Band [MVA]	A+	100,000		03/01/10	1	5.75	3.17		0-75: 5.00 76-80: 3.50 81-85: 1.75
					2-7	2.75
Investors Insurance (Legacy) RateMark 7 [MVA]	A-	5,000 Q:3,000		03/01/10	1-7	3.10	3.10		0-80: 4.00 81-85: 2.00
West Coast Life Sure Advantage 7 Low-Band [MVA]	A+	10,000		03/09/10	1-7	3.10	3.10		0-75: 2.50 76-85: 1.00
American General Life Insurance Company AG Horizon Choice 7 [MVA]	A	5,000 Q:2,000		02/08/10	1-7	3.05	3.05		0-85: 4.50+ see notes
Lincoln Financial Group Lincoln ClassicSM 7 Low-Band [MVA]	A+	10,000		03/01/10	1	4.75	3.03		0-75: 5.00 76-80: 3.50 81-85: 1.75
					2-7	2.75
Sun Life Financial Keyport Value Stepped-Up 7 High-Band [MVA, STEP RATE]	A+	50,000		12/09/09	Step Rate:		3.00		0-75: 3.00 76-85: 0.75
			2.7, 2.8, 2.9, 3, 3.1, 3.2, 3.3
OM Financial Life Insurance Company OMIndex-Safety 7 Low-Band	A-	10,000		03/01/10	1-7	3.00	3.00		0-79: 5.50 80-85: 2.75
RBC Insurance RBC 7 MYG, SPDA, MVA [MVA]	A	5,000		03/01/10	1	3.80	2.94		0-75: 3.00 76-80: 1.75 81-85: 1.00
					2-7	2.80
Symetra Life Insurance Company Symetra Flex Premium Plus Fixed	A	2,000 Q:30		01/19/10	1	4.65	2.93
					2-7	2.65
Integrity Life Insurance SPDA Series II 7	A+	3,000		02/28/10	1-7	2.90	2.90		0-79: 4.00 80-85: 2.00
ING USA Annuity and Life Guarantee Choice 7 High-Band [MVA]	A	75,000		12/10/09	1	3.75	2.89		see notes
					2-7	2.75
	Next Rate:			03/17/10	1	3.75	2.89		No Change
					2-7	2.75
Sun Life Financial Keyport Value Stepped-Up 7 Low-Band [MVA, STEP RATE]	A+	5,000 Q:4,000		12/09/09	Step Rate:		2.85		0-75: 3.00 76-85: 0.75
			2.55, 2.65, 2.75, 2.85, 2.95, 3.05, 3.15
Sun Life Financial Keyport Value 7 High-Band [MVA]	A+	50,000		12/09/09	1	3.70	2.84		0-75: 3.00 76-85: 0.75
					2-7	2.70
ING USA Annuity and Life Guarantee Choice 7 Low-Band [MVA]	A	15,000		12/10/09	1-7	2.75	2.75		see notes
	Next Rate:			03/17/10	1-7	2.75	2.75		No Change
Sun Life Financial Keyport Value 7 Low-Band [MVA]	A+	5,000 Q:4,000		12/09/09	1	3.55	2.69		0-75: 3.00 76-85: 0.75
					2-7	2.55
Principal Financial Group FPDA+ 7-Year Guaranty	A+	4,000 Q:5,000		03/01/10	1-7	2.15	2.15		0-75: 2.25 76-90: 1.50
	Next Rate:			03/15/10	1-7	2.15	2.15		No Change
Assurity Life Secure 7	A-	2,000		03/01/10	1	2.95	1.28		0-75: 3.50 76-80: 3.00 81-90: 2.50
					2-7	1.00

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender		Commissions Age: Rate
Rate Guaranteed 6 Years
The Standard Focused Growth Annuity 6 High-Band [MVA, LOAN]	A	100,000		03/01/10	1-6	3.40	3.40		0-80: 2.00 81-84: 1.00 85-UP: 0.77 see notes
	Next Rate:			03/15/10	1-6	3.65	3.65		+0.25 UP
North American Company NA Guarantee Choice 6 High-Band [MVA]	A+	200,000		02/23/10	1-6	3.40	3.40		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
American National Insurance Company Palladium MYG Annuity 6 High-Band [MVA]	A	100,000		03/01/10	1-6	3.35	3.35		0-79: 2.50 80-85: 0.50
The Standard Focused Growth Annuity 6 Low-Band [MVA, LOAN]	A	15,000		03/01/10	1-6	3.30	3.30		0-80: 2.00 81-84: 1.00 85-UP: 0.77 see notes
	Next Rate:			03/15/10	1-6	3.55	3.55		+0.25 UP
Lincoln Financial Group Lincoln MYGuaranteesm Plus 6 High-Band [MVA]	A+	100,000		03/01/10	1-6	3.30	3.30		0-75: 2.25 76-80: 1.50 81-85: 0.75
American National Insurance Company Palladium MYG Annuity 6 Low-Band [MVA]	A	5,000		03/01/10	1-6	3.25	3.25		0-79: 2.50 80-85: 0.50
Lincoln Financial Group Lincoln MYGuaranteesm Plus 6 Low-Band [MVA]	A+	10,000		03/01/10	1-6	3.15	3.15		0-75: 2.25 76-80: 1.50 81-85: 0.75
North American Company NA Guarantee Choice 6 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-6	3.15	3.15		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Lincoln Financial Group Lincoln New Directions 6 High-Band [MVA]	A+	100,000		03/01/10	1-6	3.10	3.10		0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
RBC Insurance RBC 3 + 3 MYG, SPDA, MVA [MVA]	A	5,000		03/01/10	1-6	3.00	3.00		0-75: 2.00 76-80: 1.25 81-85: 0.50
RBC Insurance RBC 3 + 3 MYG, SPDA, NON-MVA	A	5,000		03/01/10	1-6	3.00	3.00		0-75: 2.00 76-80: 1.25 81-85: 0.50
West Coast Life Sure Advantage 6 High-Band [MVA]	A+	100,000	1.00	03/09/10	1-6	2.75	2.92		0-75: 2.25 76-85: 1.00
Lincoln Financial Group Lincoln New Directions 6 Low-Band [MVA]	A+	10,000		03/01/10	1-6	2.90	2.90		0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
West Coast Life Sure Advantage 6 Low-Band [MVA]	A+	10,000		03/09/10	1-6	2.75	2.75		0-75: 2.25 76-85: 1.00
Principal Financial Group Select Series 6 High-Band [MVA]	A+	100,000		03/01/10	1-6	2.65	2.65		0-79: 1.00 80-85: 0.50
	Next Rate:			03/15/10	1-6	2.65	2.65		No Change
EquiTrust Life Insurance Company Certainty Select 6 [MVA]	B+	30,000		03/12/10	1-6	2.60	2.60		0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 6 [MVA]	B+	30,000		03/12/10	1-6	2.60	2.60		0-80: 3.00+ 81-90: 2.25+ see notes
Principal Financial Group Secure Fixed Annuity 6-Year Guarantee	A+	5,000		03/01/10	1-6	2.50	2.50		0-79: 4.10 80-84: 2.75 85-90: 1.45
	Next Rate:			03/15/10	1-6	2.50	2.50		No Change
Sun Life Financial Keyport Value Stepped-Up 6 High-Band [MVA, STEP RATE]	A+	5,000		12/09/09	Step Rate:		2.45		0-80: 3.00 81-85: 0.75
			2.2, 2.3, 2.4, 2.5, 2.6, 2.7
The Standard Secured Rate Annuity 6 High-Band [MVA]	A	100,000		03/01/10	1-6	2.45	2.45		0-80: 4.00 81-84: 2.00 85-91: 1.45 see notes
	Next Rate:			03/15/10	1-6	2.55	2.55		+0.10 UP
Principal Financial Group Select Series 6 Low-Band [MVA]	A+	5,000		03/01/10	1-6	2.45	2.45		0-79: 1.00 80-85: 0.50
	Next Rate:			03/15/10	1-6	2.45	2.45		No Change
Sun Life Financial Keyport Value 6 High-Band [MVA]	A+	50,000		12/09/09	1	3.20	2.37		0-80: 3.00 81-85: 0.75
					2-6	2.20
The Standard Secured Rate Annuity 6 Low-Band [MVA]	A	15,000		03/01/10	1-6	2.35	2.35		0-80: 4.00 81-84: 2.00 85-91: 1.45 see notes
	Next Rate:			03/15/10	1-6	2.45	2.45		+0.10 UP
Sun Life Financial Keyport Value Stepped-Up 6 Low-Band [MVA, STEP RATE]	A+	5,000 Q:4,000		12/09/09	Step Rate:		2.30		0-80: 3.00 81-85: 0.75
			2.05, 2.15, 2.25, 2.35, 2.45, 2.55
Sun Life Financial Keyport Value 6 Low-Band [MVA]	A+	5,000 Q:4,000		12/09/09	1	3.05	2.22		0-80: 3.00 81-85: 0.75
					2-6	2.05

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender		Commissions Age: Rate
Rate Guaranteed 5 Years
Oxford Life Insurance Company Guarantee Annuity 5 High-Band	B++	50,000		11/01/09	1	4.75	3.75		18-75: 2.50 76-80: 1.50
					2-5	3.50
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA) MVA [MVA]	A-	10,000		11/04/09	1-5	3.65	3.65		0-75: 3.00 76-80: 2.00
OM Financial Life Insurance Company OMGuarantee-Plus 5 [MVA]	A-	5,000 Q:2,000		03/01/10	1	4.30	3.50		0-79: 2.50 80-90: 1.25
					2-5	3.30
OM Financial Life Insurance Company OMGuarantee-Platinum 5 [MVA]	A-	10,000 Q:2,000		03/01/10	1-5	3.50	3.50		0-79: 2.50 80-90: 1.25
OM Financial Life Insurance Company OMGuarantee-Platinum 5 High-Band [MVA]	A-	2,000		03/01/10	1-5	3.50	3.50		0-79: 2.50 80-90: 1.25
Oxford Life Insurance Company Guarantee Annuity 5 Mid-Band	B++	25,000		11/01/09	1	4.50	3.50		18-75: 2.50 76-80: 1.50
					2-5	3.25
North American Company NA Guarantee Choice 5 High-Band [MVA]	A+	200,000		02/23/10	1-5	3.50	3.50		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Best Selling 5 year MYG-Great Rate and Commission!
Great American Life Insurance Company American Freedom Stars and Stripes 5 High-Band [MVA, STEP RATE]	A	100,000		01/11/10	Step Rate:		3.40		0-84: 3.00+ 85-89: 2.10+ see notes
			4, 3.1, 3.2, 3.3, 3.4
OM Financial Life Insurance Company OMGuarantee-Platinum 5 (CT,NC,OK) [MVA]	A-	5,000 Q:2,000		03/01/10	1-5	3.35	3.35		0-79: 2.50 80-90: 1.25
Best Selling 5 year MYG-Great Rate and Commission!
Great American Life Insurance Company American Freedom Stars and Stripes 5 Low-Band [MVA, STEP RATE]	A	10,000		01/11/10	Step Rate:		3.30		0-84: 3.00+ 85-89: 2.10+ see notes
			3.9, 3, 3.1, 3.2, 3.3
North American Company NA Guarantee Choice 5 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-5	3.25	3.25		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
American Equity Investment Life Insurance Company Guarantee 5 (SPDA-MYGA)	A-	10,000		11/04/09	1-5	3.15	3.15		0-75: 2.50 76-80: 1.50
Lincoln Financial Group Lincoln MYGuaranteesm Plus 5 High-Band [MVA]	A+	100,000		03/01/10	1-5	3.15	3.15		0-75: 2.00 76-80: 1.30 81-85: 0.75
The Standard Focused Growth Annuity 5 High-Band [MVA, LOAN]	A	100,000		03/01/10	1-5	3.10	3.10		0-80: 3.00 81-85: 1.50 86-UP: 1.35 see notes
	Next Rate:			03/15/10	1-5	3.15	3.15		+0.05 UP
Loyal American Life Loyal SureSaver 5 High-Band [MVA]	A	100,000		10/19/09	1-5	3.05	3.05		0-74: 0.75+ 75-89: 0.51+ see notes
The Standard Focused Growth Annuity 5 Low-Band [MVA, LOAN]	A	15,000		03/01/10	1-5	3.00	3.00		0-80: 3.00 81-85: 1.50 86-UP: 1.35 see notes
	Next Rate:			03/15/10	1-5	3.00	3.00		No Change
Reliance Standard Life Elektra 579 (5) [MVA]	A	10,000		11/02/09	1-5	3.00	3.00		0-75: 3.00 76-80: 2.40 81-85: 1.80 see notes
Lincoln Financial Group Lincoln MYGuaranteesm Plus 5 Low-Band [MVA]	A+	10,000		03/01/10	1-5	3.00	3.00		0-75: 2.00 76-80: 1.30 81-85: 0.75
Oxford Life Insurance Company Guarantee Annuity 5 Low-Band	B++	10,000 Q:5,000		11/01/09	1	4.00	3.00		18-75: 2.50 76-80: 1.50
					2-5	2.75
American General Life Insurance Company AG HorizonSelect 5 [MVA]	A	5,000		02/08/10	1-5	2.85	2.85		0-80: 4.00 81-85: 3.00
Symetra Life Insurance Company Symetra Custom 5 High-Band [REGISTERED]	A	250,000		01/19/10	1	3.25	2.85
					2-5	2.75
Investors Insurance (Legacy) RateMark 5 [MVA]	A-	5,000 Q:3,000		03/01/10	1-5	2.85	2.85		0-80: 3.00 81-85: 1.50
Symetra Life Insurance Company Symetra Custom 5 Mid-Band [REGISTERED]	A	100,000		01/19/10	1	3.20	2.80
					2-5	2.70
Great American Life Insurance Company American Freedom Stars and Stripes Non-MVA 5 High-Band	A	100,000		01/11/10	1-5	2.80	2.80		0-84: 3.00+ 85-89: 2.10+ see notes
American National Insurance Company Palladium MYG Annuity 5 High-Band [MVA]	A	100,000		03/01/10	1	3.60	2.80		0-79: 4.00 80-85: 2.00
					2-5	2.60
Great American Life Insurance Company American Freedom Stars and Stripes Non-MVA 5 Low-Band	A	10,000		01/11/10	1-5	2.75	2.75		0-84: 3.00+ 85-89: 2.10+ see notes
Loyal American Life Loyal SureSaver 5 Low-Band [MVA]	A	10,000		10/19/09	1-5	2.70	2.70		0-74: 0.75+ 75-89: 0.51+ see notes
American National Insurance Company Palladium MYG Annuity 5 Low-Band [MVA]	A	5,000		03/01/10	1	3.50	2.70		0-79: 4.00 80-85: 2.00
					2-5	2.50
Lincoln Financial Group Lincoln ClassicSM 5 High-Band [MVA]	A+	100,000		03/01/10	1	4.30	2.70		0-75: 4.00 76-80: 2.75 81-85: 1.50
					2-5	2.30
American General Life Insurance Company AG HorizonSecure 5	A	5,000		02/08/10	1-5	2.65	2.65		0-80: 4.00 81-85: 3.00
Integrity Life Insurance Momentum Advantage 5 [MVA]	A+	20,000		02/28/10	1	3.20	2.60		0-79: 2.50 80-86: 0.50
					2-5	2.45
West Coast Life Sure Advantage 5 High-Band [MVA]	A+	100,000	1.00	03/09/10	1-5	2.40	2.60		0-75: 2.00 76-85: 1.00
American General Life Insurance Company AG Horizon Choice 5 [MVA]	A	5,000 Q:2,000		02/08/10	1-5	2.60	2.60		0-85: 2.40+ see notes
Allianz Life Dominator Plus 5 High-Band [MVA, LOAN]	A	100,000		03/02/10	1-5	2.60	2.60		0-75: 3.00 76-80: 2.00 81-85: 1.00
Symetra Life Insurance Company Symetra Custom 5 Mid-Band [REGISTERED]	A	50,000		01/19/10	1	2.95	2.55
					2-5	2.45
EquiTrust Life Insurance Company Certainty Select 5 [MVA]	B+	30,000		03/12/10	1-5	2.50	2.50		0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 5 [MVA]	B+	30,000		03/12/10	1-5	2.50	2.50		0-80: 3.00+ 81-90: 2.25+ see notes
Lincoln Financial Group Lincoln ClassicSM 5 Low-Band [MVA]	A+	10,000		03/01/10	1	3.30	2.50		0-75: 4.00 76-80: 2.75 81-85: 1.50
					2-5	2.30
Allianz Life Dominator Plus 5 Mid-Band [MVA, LOAN]	A	25,000		03/02/10	1-5	2.50	2.50		0-75: 3.00 76-80: 2.00 81-85: 1.00
West Coast Life Sure Advantage 5 Low-Band [MVA]	A+	10,000		03/09/10	1-5	2.40	2.40		0-75: 2.00 76-85: 1.00
The Standard Secured Rate Annuity 5 High-Band	A	100,000		03/01/10	1-5	2.35	2.35		0-80: 4.00 81-84: 2.00 85-91: 1.45
	Next Rate:			03/15/10	1-5	2.50	2.50		+0.15 UP
The Standard Secured Rate Annuity 5 Low-Band	A	15,000		03/01/10	1-5	2.25	2.25		0-80: 4.00 81-84: 2.00 85-91: 1.45
	Next Rate:			03/15/10	1-5	2.40	2.40		+0.15 UP
Genworth Life Insurance Company SecureLiving Stable 5 High-Band	A	100,000		02/08/10	1-5	2.25	2.25		0-75: 3.00 76-80: 2.25 81-85: 1.50
Principal Financial Group Guaranteed Annuity 5-Year Guaranty	A+	5,000		03/01/10	1-5	2.20	2.20		0-80: 4.10 81-85: 3.00 86-90: 1.45
	Next Rate:			03/15/10	1-5	2.10	2.10		-0.10 DOWN
Genworth Life Insurance Company SecureLiving Stable 5 Mid-Band	A	50,000		02/08/10	1-5	2.15	2.15		0-75: 3.00 76-80: 2.25 81-85: 1.50
Symetra Life Insurance Company Symetra Custom 5 Low-Band [REGISTERED]	A	10,000		01/19/10	1	2.50	2.10
					2-5	2.00
Genworth Life Insurance Company SecureLiving Stable 5 Low-Band	A	5,000 Q:2,000		02/08/10	1-5	2.00	2.00		0-75: 3.00 76-80: 2.25 81-85: 1.50
Sun Life Financial Keyport Value 5 High-Band [MVA]	A+	50,000		12/09/09	1	2.75	1.95		0-80: 3.50 81-90: 1.00
					2-5	1.75
Sun Life Financial Keyport Value Stepped-Up 5 High-Band [MVA, STEP RATE]	A+	50,000		12/09/09	Step Rate:		1.95		0-80: 3.50 81-90: 1.00
			1.75, 1.85, 1.95, 2.05, 2.15
Sun Life Financial Keyport Value Stepped-Up 5 Low-Band [MVA, STEP RATE]	A+	5,000 Q:4,000		12/09/09	Step Rate:		1.80		0-80: 3.50 81-90: 1.00
			1.6, 1.7, 1.8, 1.9, 2
Sun Life Financial Keyport Value 5 Low-Band [MVA]	A+	5,000 Q:4,000		12/09/09	1	2.60	1.80		0-80: 3.50 81-90: 1.00
					2-5	1.60
Assurity Life Secure 5	A-	2,000		03/01/10	1	2.65	1.33		0-75: 3.00 76-80: 2.50 81-90: 2.00
					2-5	1.00

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender		Commissions Age: Rate
Rate Guaranteed 4 Years
North American Company NA Guarantee Choice 4 High-Band [MVA]	A+	200,000		02/23/10	1-4	2.65	2.65		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Principal Financial Group Secure Fixed Annuity 4-Year Guarantee	A+	5,000		03/01/10	1-4	2.45	2.45		0-79: 2.25 80-84: 1.50 85-90: 0.75
	Next Rate:			03/15/10	1-4	2.35	2.35		-0.10 DOWN
Lincoln Financial Group Lincoln MYGuaranteesm Plus 4 High-Band [MVA]	A+	100,000		03/01/10	1-4	2.45	2.45		0-75: 1.00 76-80: 0.65 81-85: 0.50
North American Company NA Guarantee Choice 4 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-4	2.35	2.35		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Lincoln Financial Group Lincoln MYGuaranteesm Plus 4 Low-Band [MVA]	A+	10,000		03/01/10	1-4	2.30	2.30		0-75: 1.00 76-80: 0.65 81-85: 0.50
American National Insurance Company Palladium MYG Annuity 4 High-Band [MVA]	A	100,000		03/01/10	1-4	2.25	2.25		0-79: 2.00 80-85: 1.00
Integrity Life Insurance Momentum Advantage 4 [MVA]	A+	20,000		02/28/10	1	2.75	2.19		0-79: 2.00 80-86: 0.50
					2-4	2.00
American National Insurance Company Palladium MYG Annuity 4 Low-Band [MVA]	A	5,000		03/01/10	1-4	2.15	2.15		0-79: 2.00 80-85: 1.00
West Coast Life Sure Advantage 4 High-Band [MVA]	A+	100,000	0.50	03/09/10	1-4	1.75	1.88		0-75: 1.50 76-85: 1.00
West Coast Life Sure Advantage 4 Low-Band [MVA]	A+	10,000		03/09/10	1-4	1.75	1.75		0-75: 1.50 76-85: 1.00
Symetra Life Insurance Company Symetra Secure	A	10,000		01/19/10	1-4	1.50	1.50		0-75: 3.00 76-85: 1.75

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender		Commissions Age: Rate
Rate Guaranteed 3 Years
OM Financial Life Insurance Company OMGuarantee-Platinum 3 [MVA]	A-	5,000 Q:2,000		03/01/10	1-3	2.50	2.50		0-79: 1.50 80-90: 0.75
Forethought Financial Forethought Destination Indexed 3 Low-Band [MVA]	A-	25,000		09/22/09	1-3	2.50	2.50		0-75: 1.00 76-85: 0.25
Forethought Financial Forethought Destination Indexed 3 Mid-Band [MVA]	A-	100,000		09/22/09	1-3	2.50	2.50		0-75: 1.00 76-85: 0.25
Forethought Financial Forethought Destination Indexed 3 High-Band [MVA]	A-	250,000		09/22/09	1-3	2.50	2.50		0-75: 1.00 76-85: 0.25
Investors Insurance (Legacy) RateMark 3 [MVA]	A-	5,000 Q:3,000		03/01/10	1-3	2.50	2.50		0-80: 2.25 81-UP: 1.13
OM Financial Life Insurance Company OMGuarantee-Plus 3 [MVA]	A-	5,000 Q:2,000		03/01/10	1	3.15	2.48		0-79: 1.50 80-90: 0.75
					2-3	2.15
American National Insurance Company Palladium MYG Annuity 3 High-Band [MVA]	A	100,000		03/01/10	1-3	2.10	2.10		0-79: 1.50 80-85: 0.50
American National Insurance Company Palladium MYG Annuity 3 Low-Band [MVA]	A	5,000		03/01/10	1-3	2.00	2.00		0-79: 1.50 80-85: 0.50
North American Company NA Guarantee Choice 3 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-3	2.00	2.00		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
North American Company NA Guarantee Choice 3 High-Band [MVA]	A+	200,000		02/23/10	1-3	2.00	2.00		0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
Symetra Life Insurance Company Symetra Select High-Band	A	250,000		01/19/10	1-3	1.95	1.95
					4	1.65
Symetra Life Insurance Company Symetra Select Mid-Band	A	100,000		01/19/10	1-3	1.90	1.90
					4	1.60
Principal Financial Group Select Series 3 [MVA]	A+	5,000		03/01/10	1-3	1.90	1.90		0-79: 1.00 80-85: 0.50
	Next Rate:			03/15/10	1-3	1.80	1.80		-0.10 DOWN
Principal Financial Group Select Series 3 High-Band [MVA]	A+	5,000		03/01/10	1-3	1.90	1.90		0-79: 1.00 80-85: 0.50
	Next Rate:			03/15/10	1-3	1.80	1.80		-0.10 DOWN
Symetra Life Insurance Company Symetra Select Low-Band	A	50,000		01/19/10	1-3	1.85	1.85
					4	1.55
Lincoln Financial Group Lincoln MYGuaranteesm Plus 3 High-Band [MVA]	A+	100,000		03/01/10	1-3	1.80	1.80		0-75: 1.00 76-80: 0.65 81-85: 0.50
Allianz Life Dominator Select 3 High-Band [MVA, LOAN]	A	100,000		03/02/10	1-3	1.70	1.70		0-85: 1.25
West Coast Life Sure Advantage 3 High-Band [MVA]	A+	100,000	0.50	03/09/10	1-3	1.50	1.67		0-75: 1.00 76-85: 0.75
Lincoln Financial Group Lincoln MYGuaranteesm Plus 3 Low-Band [MVA]	A+	10,000		03/01/10	1-3	1.65	1.65		0-75: 1.00 76-80: 0.65 81-85: 0.50
Allianz Life Dominator Select 3 Mid-Band [MVA, LOAN]	A	25,000		03/02/10	1-3	1.60	1.60		0-85: 1.25
West Coast Life Sure Advantage 3 Low-Band [MVA]	A+	10,000		03/09/10	1-3	1.50	1.50		0-75: 1.00 76-85: 0.75
Assurity Life Secure 3	A-	2,000		03/01/10	1	2.05	1.05		0-75: 1.20 76-80: 1.20 81-90: 1.20
					2-3	0.55

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change