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Encore Annuity and Life FEATURED ANNUITIES

 
 
 
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Fixed Annuities
Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Surrender Charges Last 10 Years
Reliance Standard Life
Argus 2000 MVA [MVA]
A 3 11/02/09 3.55 0.00 3.55     3.55 3.16 0-75: 7.50
76-80: 6.00
81-85: 4.50
National Western Life
NWL Protector One [MVA, LOAN]
A 1 03/12/10 3.25 1.00 4.25     3.35 2.22 0-75: 10.00+
76-90: 6.00+
Forethought Financial
Secure Income 125 Low-Band
A- 1 03/12/10 2.50 0.00 2.50     2.50 1.15
Forethought Financial
Secure Income 125 Mid-Band
A- 1 03/12/10 2.50 0.00 2.50     2.50 1.15
Forethought Financial
Secure Income 125 High-Band
A- 1 03/12/10 2.50 0.00 2.50     2.50 1.15
Surrender Charges Last 5 Years
Reliance Standard Life
Eleos MVA [MVA]
A 1 11/02/09 3.40 0.00 3.40     3.40 2.28 0-75: 4.00
76-80: 3.20
81-85: 2.40
3% Minimum Guarantee
RBC Insurance
Master Builder SPDA [MVA]
A 1 03/01/10 3.00 0.00 3.00     3.00 3.00 0-69: 6.25
70-80: 4.25

MYGAs
Company / Product Name AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Surrender Charges Last 10 Years
ING USA Annuity and Life
Guaranteed Choice 10 High-Band [MVA]
A 10 12/10/09 3.70 1.00 4.70     3.80 3.80
Next Rate: 03/17/10 3.70 1.00 4.70   3.80 3.80 No Change  
American National Insurance Company
Palladium MYG Annuity 10 High-Band [MVA]
A 10 03/01/10 3.65 1.00 4.65     3.75 3.75 0-79: 4.00
80-85: 2.00
ING USA Annuity and Life
Guaranteed Choice 10 Low-Band [MVA]
A 10 12/10/09 3.70 0.00 3.70     3.70 3.70
Next Rate: 03/17/10 3.70 0.00 3.70   3.70 3.70 No Change  
American National Insurance Company
Palladium MYG Annuity 10 Low-Band [MVA]
A 10 03/01/10 3.55 1.00 4.55     3.65 3.65 0-79: 4.00
80-85: 2.00
Surrender Charges Last 9 Years
North American Company
NA Guarantee Choice 9 High-Band [MVA]
A+ 9 02/23/10 3.65 0.00 3.65     3.65 3.65 0-80: 2.50
81-85: 1.88
86-90: 1.25
North American Company
NA Guarantee Choice 9 Low-Band [MVA]
A+ 9 02/23/10 3.45 0.00 3.45     3.45 3.45 0-80: 2.50
81-85: 1.88
86-90: 1.25
Surrender Charges Last 8 Years
North American Company
NA Guarantee Choice 8 High-Band [MVA]
A+ 8 02/23/10 3.65 0.00 3.65     3.65 3.65 0-80: 2.50
81-85: 1.88
86-90: 1.25
North American Company
NA Guarantee Choice 8 Low-Band [MVA]
A+ 8 02/23/10 3.45 0.00 3.45     3.45 3.45 0-80: 2.50
81-85: 1.88
86-90: 1.25
Surrender Charges Last 7 Years
American Equity Investment Life Insurance Company
Guarantee 7 (SPDA-MYGA) MVA [MVA]
A- 7 11/04/09 3.75 0.00 3.75     3.75 3.75 0-75: 3.00
76-80: 2.00
North American Company
NA Guarantee Choice 7 High-Band [MVA]
A+ 7 02/23/10 3.65 0.00 3.65     3.65 3.65 0-80: 2.50
81-85: 1.88
86-90: 1.25
North American Company
NA Guarantee Choice 7 Low-Band [MVA]
A+ 7 02/23/10 3.45 0.00 3.45     3.45 3.45 0-80: 2.50
81-85: 1.88
86-90: 1.25
Surrender Charges Last 6 Years
North American Company
NA Guarantee Choice 6 High-Band [MVA]
A+ 6 02/23/10 3.40 0.00 3.40     3.40 3.40 0-80: 2.50
81-85: 1.88
86-90: 1.25
North American Company
NA Guarantee Choice 6 Low-Band [MVA]
A+ 6 02/23/10 3.15 0.00 3.15     3.15 3.15 0-80: 2.50
81-85: 1.88
86-90: 1.25
Surrender Charges Last 5 Years
American Equity Investment Life Insurance Company
Guarantee 5 (SPDA-MYGA) MVA [MVA]
A- 5 11/04/09 3.65 0.00 3.65     3.65 3.65 0-75: 3.00
76-80: 2.00
North American Company
NA Guarantee Choice 5 High-Band [MVA]
A+ 5 02/23/10 3.50 0.00 3.50     3.50 3.50 0-80: 2.50
81-85: 1.88
86-90: 1.25
North American Company
NA Guarantee Choice 5 Low-Band [MVA]
A+ 5 02/23/10 3.25 0.00 3.25     3.25 3.25 0-80: 2.50
81-85: 1.88
86-90: 1.25
Surrender Charges Last 4 Years
North American Company
NA Guarantee Choice 4 High-Band [MVA]
A+ 4 02/23/10 2.65 0.00 2.65     2.65 2.65 0-80: 2.50
81-85: 1.88
86-90: 1.25
North American Company
NA Guarantee Choice 4 Low-Band [MVA]
A+ 4 02/23/10 2.35 0.00 2.35     2.35 2.35 0-80: 2.50
81-85: 1.88
86-90: 1.25
Surrender Charges Last 3 Years
North American Company
NA Guarantee Choice 3 Low-Band [MVA]
A+ 3 02/23/10 2.00 0.00 2.00     2.00 2.00 0-80: 2.50
81-85: 1.88
86-90: 1.25
North American Company
NA Guarantee Choice 3 High-Band [MVA]
A+ 3 02/23/10 2.00 0.00 2.00     2.00 2.00 0-80: 2.50
81-85: 1.88
86-90: 1.25

Fixed Indexed Annuities
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
Surrender Charges Last 15 Years
National Western Life
NWL Ultra Future
Option B: Fixed Account
Fixed 15
Years 		4.75
to 10.00 		02/21/10 3.40% 1-Yr Fixed 0-75: 7.00+
76-80: 5.00+
Min Rates: 2.00
Next Rate Change:  04/06/10 3.60% 1-Yr Fixed
National Western Life
NWL Ultra Future
Option A: Monthly Averaging Annual Reset
S&P 500 Point to Point 15
Years 		4.75
to 10.00 		02/21/10 65 0.25   0-75: 7.00+
76-80: 5.00+
Annual Monthly Min Rates: 50 6.00  
Next Rate Change:  04/06/10 65 0.25  
National Western Life
NWL Ultra Future
Option D: Monthly Cap
S&P 500 Point to Point 15
Years 		4.75
to 10.00 		02/21/10     2.75 0-75: 7.00+
76-80: 5.00+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Next Rate Change:  04/06/10     2.65
Surrender Charges Last 13 Years

Up to 50% LIQUIDITY and 12% Commissions!

National Western Life
NWL Ultra Classic
Option B: Fixed Account
Fixed 13
Years 		  02/21/10 3.80% 1-Yr Fixed 0-75: 12.00+
76-80: 10.50+
Min Rates: 2.00
Next Rate Change:  04/06/10 3.80% 1-Yr Fixed
National Western Life
NWL Ultra Classic
Option A: Monthly Averaging Annual Reset
S&P 500 Point to Point 13
Years 		  02/21/10 65 0.25   0-75: 12.00+
76-80: 10.50+
Annual Monthly Min Rates: 50 6.00  
Next Rate Change:  04/06/10 65 0.25  
National Western Life
NWL Ultra Classic
Option D: Monthly Cap Annual Reset
S&P 500 Point to Point 13
Years 		  02/21/10     2.75 0-75: 12.00+
76-80: 10.50+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Next Rate Change:  04/06/10     2.65
Surrender Charges Last 12 Years
.5% Guaranteed Lifetime Income Rider
RBC Insurance
RBC Enhanced Choice 12 SPDA
Fixed Account
Fixed 12
Years 		5.00 03/01/10 1.90% +1.00 Bonus 0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Min Rates: 1.00
RBC Insurance
RBC Enhanced Choice 12 SPDA
1-Year S&P 500 Monthly Additive Point-to-Point Cap
S&P 500 Point to Point 12
Years 		5.00 03/01/10 100 0.00 2.50 0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Annual Monthly Sum Min Rates: 100 0.00 1.00
RBC Insurance
RBC Enhanced Choice 12 SPDA
1-Year S&P 500 Annual Point-to-Point Cap
S&P 500 Point to Point 12
Years 		5.00 03/01/10 100 0.00 5.25 0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Annual None Min Rates: 100 0.00 3.00
RBC Insurance
RBC Enhanced Choice 12 SPDA
1-Year DJIA Quarterly Additive Point-to-Point Cap
DJIA Point to Point 12
Years 		5.00 03/01/10 100 0.00 2.75 0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Annual Quarterly Sum Min Rates: 100 0.00 1.00
RBC Insurance
RBC Enhanced Choice 12 SPDA
1-Year DJIA Monthly Average Cap
DJIA Point to Point 12
Years 		5.00 03/01/10 100 0.00 5.00 0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Annual Monthly Min Rates: 100 9.00 5.00
Surrender Charges Last 10 Years
8.50% Commission! 10% Freeout in the 1st year and Competitive Rates.
Reliance Standard Life
Keystone 10 Index Annuity
Fixed Interest Strategy
Fixed 10
Years 		  11/02/09 3.20% 1-Yr Fixed 0-80: 8.50
81-85: 6.80
Min Rates: 2.00
Allianz Life
MasterDex X Annuity
1 Year Fixed
Fixed 10
Years 		10.00 03/02/10 2.15% 1-Yr Fixed 0-75: 7.00+
76-80: 5.00+
Min Rates: 1.50
ING USA Annuity and Life
ING Secure Index Opportunities Plus - Low
Fixed Rate Strategy
Fixed 10
Years 		5.00 12/10/09 2.40% 1-Yr Fixed 0-80: 7.00+
Min Rates: 2.00
Next Rate Change:  03/17/10 2.40% 1-Yr Fixed
ING USA Annuity and Life
ING Secure Index Opportunities Plus - High
Fixed Rate Strategy
Fixed 10
Years 		5.00 12/10/09 2.40% 1-Yr Fixed 0-80: 7.00+
Min Rates: 2.00
Next Rate Change:  03/17/10 2.40% 1-Yr Fixed
OM Financial Life Insurance Company
OMIndex-Accelerator 10
Fixed Interest Option
Fixed 10
Years 		8.00 03/01/10 2.00% 1-Yr Fixed 0-79: 8.00+
80-85: 4.00+
Min Rates: 1.00-1.10
Great American Life Insurance Company
Safe Return
Declared Rate Strategy
Fixed 10
Years 		  01/21/10 2.75% 1-Yr Fixed 0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Min Rates: 1.00-2.00
RBC Insurance
RBC Enhanced Choice 10 SPDA
Fixed Account
Fixed 10
Years 		5.00 03/01/10 1.70% +1.00 Bonus 0-75: 7.00+
76-79: 5.00+
80-85: 3.00+
Min Rates: 1.00
RBC Insurance
RBC Choice 10 SPDA
1-Year Fixed Account
Fixed 10
Years 		  03/01/10 2.00% +1.00 Bonus 0-75: 10.00+
76-80: 8.00+
81-85: 6.00+
Min Rates: 1.00
Forethought Financial
Income 125 - Mid band
Fixed Account Strategy
Fixed 10
Years 		  03/12/10 2.00% 1-Yr Fixed 0-75: 7.50+
76-85: 5.00+
Min Rates: 1.00
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
Forethought Financial
Income 125 - High
Fixed Account Strategy
Fixed 10
Years 		  03/12/10 2.00% 1-Yr Fixed 0-75: 7.50+
76-85: 5.00+
Min Rates: 1.00
Forethought Financial
Income 125 - Low
Fixed Account Strategy
Fixed 10
Years 		  03/12/10 2.00% 1-Yr Fixed 0-75: 7.50+
76-85: 5.00+
Min Rates: 1.00
Allianz Life
MasterDex X Annuity
1 Year S&P 500 Monthly Cap
S&P 500 Point to Point 10
Years 		10.00 03/02/10     2.20 0-75: 7.00+
76-80: 5.00+
Annual Monthly Sum Min Rates: 100   0.50
Allianz Life
MasterDex X Annuity
1 Year S&P 500 Point-to-Point Cap
S&P 500 Point to Point 10
Years 		10.00 03/02/10     5.50 0-75: 7.00+
76-80: 5.00+
Annual None Min Rates: 100   1.00
Allianz Life
MasterDex X Annuity
1 Year Nasdaq 100 Point-to-Point Cap
Nasdaq 100 Point to Point 10
Years 		10.00 03/02/10     4.75 0-75: 7.00+
76-80: 5.00+
Annual None Min Rates: 100   1.00
Allianz Life
MasterDex X Annuity
1 Year Nasdaq 100 Monthly Cap
Nasdaq 100 Point to Point 10
Years 		10.00 03/02/10     2.40 0-75: 7.00+
76-80: 5.00+
Annual Monthly Sum Min Rates: 100   0.50
Allianz Life
MasterDex X Annuity
1 Year Blended Point-to-Point Cap
Blended Indicies Point to Point 10
Years 		10.00 03/02/10     5.50 0-75: 7.00+
76-80: 5.00+
Annual None Min Rates: 100   1.00
Allianz Life
MasterDex X Annuity
1 Year Blended Monthly Average Spread
Blended Indicies Point to Point 10
Years 		10.00 03/02/10   2.00   0-75: 7.00+
76-80: 5.00+
Annual Monthly Min Rates: 100 12.00  
Allianz Life
MasterDex X Annuity
1 Year Euro STOXX 50 Point-to-Point Cap
DJ EuroStoxx 50 Point to Point 10
Years 		10.00 03/02/10     5.00 0-75: 7.00+
76-80: 5.00+
Annual None Min Rates: 100   1.00
Allianz Life
MasterDex X Annuity
1 Year Euro STOXX 50 Monthly Cap
DJ EuroStoxx 50 Point to Point 10
Years 		10.00 03/02/10     2.20 0-75: 7.00+
76-80: 5.00+
Annual Monthly Sum Min Rates: 100   0.50
OM Financial Life Insurance Company
OMIndex-Accelerator 10
1-Year S&P 500 Monthly Cap
S&P 500 Point to Point 10
Years 		8.00 03/01/10     1.75 0-79: 8.00+
80-85: 4.00+
Annual Monthly Sum Min Rates:     1.00
OM Financial Life Insurance Company
OMIndex-Accelerator 10
1-Year S&P 500 Monthly Average
S&P 500 Point to Point 10
Years 		8.00 03/01/10     4.75 0-79: 8.00+
80-85: 4.00+
Annual Monthly Min Rates:     3.00
OM Financial Life Insurance Company
OMIndex-Accelerator 10
1-Year S&P 500 Point-to-Point
S&P 500 Point to Point 10
Years 		8.00 03/01/10     4.50 0-79: 8.00+
80-85: 4.00+
Annual None Min Rates:     3.00
OM Financial Life Insurance Company
OMIndex-Accelerator 10
2-Year S&P 500 Monthly Average with Cap
S&P 500 Point to Point 10
Years 		8.00 03/01/10     11.50 0-79: 8.00+
80-85: 4.00+
Biennial Monthly Min Rates:     6.00
ING USA Annuity and Life
ING Secure Index Opportunities Plus - High
Point-to-Point Cap Index Strategy
S&P 500 Point to Point 10
Years 		5.00 12/10/09     6.75 0-80: 7.00+
Annual None Min Rates:     0.00
Next Rate Change:  03/17/10     6.75
ING USA Annuity and Life
ING Secure Index Opportunities Plus - High
Monthly Cap Index Strategy
S&P 500 Point to Point 10
Years 		5.00 12/10/09     2.60 0-80: 7.00+
Annual Monthly Sum Min Rates:     1.00
Next Rate Change:  03/17/10     2.60
ING USA Annuity and Life
ING Secure Index Opportunities Plus - Low
Monthly Cap Index Strategy
S&P 500 Point to Point 10
Years 		5.00 12/10/09     2.25 0-80: 7.00+
Annual Monthly Sum Min Rates:     1.00
Next Rate Change:  03/17/10     2.25
ING USA Annuity and Life
ING Secure Index Opportunities Plus - Low
Point-to-Point Cap Index Strategy
S&P 500 Point to Point 10
Years 		5.00 12/10/09     5.75 0-80: 7.00+
Annual None Min Rates:     0.00
Next Rate Change:  03/17/10     5.75
RBC Insurance
RBC Enhanced Choice 10 SPDA
1-Year S&P 500 Monthly Additive Point-to-Point Cap
S&P 500 Point to Point 10
Years 		5.00 03/01/10 100 0.00 2.25 0-75: 7.00+
76-79: 5.00+
80-85: 3.00+
Annual Monthly Sum Min Rates: 100 0.00 1.00
RBC Insurance
RBC Enhanced Choice 10 SPDA
1-Year S&P 500 Annual Point-to-Point Cap
S&P 500 Point to Point 10
Years 		5.00 03/01/10 100 0.00 5.00 0-75: 7.00+
76-79: 5.00+
80-85: 3.00+
Annual None Min Rates: 100 0.00 3.00
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
RBC Insurance
RBC Enhanced Choice 10 SPDA
1-Year DJIA Quarterly Additive Point-to-Point Indexed Account
DJIA Point to Point 10
Years 		5.00 03/01/10 100 0.00 2.50 0-75: 7.00+
76-79: 5.00+
80-85: 3.00+
Annual Quarterly Sum Min Rates: 100 0.00 1.00
RBC Insurance
RBC Enhanced Choice 10 SPDA
1-Year DJIA Monthly Average Indexed Account
DJIA Point to Point 10
Years 		5.00 03/01/10 100 0.00 5.00 0-75: 7.00+
76-79: 5.00+
80-85: 3.00+
Annual Monthly Min Rates: 100 0.00 5.00
American National Insurance Company
Value Lock 10
S&P 500 10 Year Point-to-Point
S&P 500 Point to Point 10
Years 		3.00 03/01/10 100     0-75: 10.00
76-80: 8.00
10-year Monthly Min Rates: 100    
RBC Insurance
RBC Choice 10 SPDA
1 Year S&P 500 Annual Point to Point Cap
S&P 500 Point to Point 10
Years 		  03/01/10 100 0.00 5.00 0-75: 10.00+
76-80: 8.00+
81-85: 6.00+
Annual None Min Rates: 100 0.00 3.00
RBC Insurance
RBC Choice 10 SPDA
1 Year S&P 500 Monthly Additive Point to Point Cap
S&P 500 Point to Point 10
Years 		  03/01/10 100 0.00 2.50 0-75: 10.00+
76-80: 8.00+
81-85: 6.00+
Annual Monthly Sum Min Rates: 100 0.00 1.00
RBC Insurance
RBC Choice 10 SPDA
1-Year DJIA Quarterly Additive Point-to-Point Cap
DJIA Point to Point 10
Years 		  03/01/10 100 0.00 2.75 0-75: 10.00+
76-80: 8.00+
81-85: 6.00+
Annual None Min Rates: 100 0.00 1.00
RBC Insurance
RBC Choice 10 SPDA
1-Year DJIA Monthly Average Cap
DJIA Point to Point 10
Years 		  03/01/10 100 0.00 5.00 0-75: 10.00+
76-80: 8.00+
81-85: 6.00+
Annual Monthly Min Rates: 100 0.00 5.00
Reliance Standard Life
Keystone 10 Index Annuity
1-Year Point-to-Point - Capped
S&P 500 Point to Point 10
Years 		  11/02/09     6.00 0-80: 8.50
81-85: 6.80
Annual None Min Rates:     4.00
Reliance Standard Life
Keystone 10 Index Annuity
1-Year Point-to-Point - Participation Rate
S&P 500 Point to Point 10
Years 		  11/02/09 30     0-80: 8.50
81-85: 6.80
Annual None Min Rates: 25    
Reliance Standard Life
Keystone 10 Index Annuity
1-Year Monthly Average - Capped
S&P 500 Point to Point 10
Years 		  11/02/09     6.50 0-80: 8.50
81-85: 6.80
Annual Monthly Min Rates:     5.00
Reliance Standard Life
Keystone 10 Index Annuity
1-Year Monthly Average - Participation Rate
S&P 500 Point to Point 10
Years 		  11/02/09 40     0-80: 8.50
81-85: 6.80
Annual Monthly Min Rates: 35    
Forethought Financial
Income 125 - Low
Monthly Point-to-Point with Cap
S&P 500 Monthly Crediting 10
Years 		  03/12/10     0.75 0-75: 7.50+
76-85: 5.00+
Annual None Min Rates:     0.50
Forethought Financial
Income 125 - Mid band
Monthly Point-to-Point with Cap
S&P 500 Monthly Crediting 10
Years 		  03/12/10     1.00 0-75: 7.50+
76-85: 5.00+
Annual None Min Rates:     0.50
Forethought Financial
Income 125 - High
Monthly Point-to-Point with Cap
S&P 500 Monthly Crediting 10
Years 		  03/12/10     1.25 0-75: 7.50+
76-85: 5.00+
Annual None Min Rates:     0.50
Great American Life Insurance Company
Safe Return
1 Year S&P 500 Annual Point-to-Point
S&P 500 Point to Point 10
Years 		  01/21/10     6.50 0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Annual None Min Rates:     3.00
Great American Life Insurance Company
Safe Return
1 Year S&P 500 Monthly Average with Cap
S&P 500 Point to Point 10
Years 		  01/21/10     7.00 0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Annual Monthly Min Rates:     3.00
Surrender Charges Last 9 Years
Investors Insurance (Legacy)
PremierMark SE Plus (10%)
Fixed
Fixed 9
Years 		10.00 03/01/10 1.75% 1-Yr Fixed 0-80: 2.50
Min Rates: 1.00
OM Financial Life Insurance Company
OMIndex-Spectrum 9
Fixed Account
Fixed 9
Years 		3.00 03/01/10 2.20% 1-Yr Fixed 0-79: 9.00
80-85: 4.50
Min Rates: 1.00-1.10
Investors Insurance (Legacy)
PremierMark SE Plus (10%)
3 Year Blended Index Monthly Avg.
Blended Indicies Point to Point 9
Years 		10.00 03/01/10   11.00   0-80: 2.50
Triennial Min Rates:   11.00  
Investors Insurance (Legacy)
PremierMark SE Plus (10%)
S&P 500 Monthly Average
S&P 500 Point to Point 9
Years 		10.00 03/01/10     4.00 0-80: 2.50
Annual Monthly Min Rates:     3.00
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
Investors Insurance (Legacy)
PremierMark SE Plus (10%)
S&P 500 Annual Point-to-Point
S&P 500 Point to Point 9
Years 		10.00 03/01/10     3.75 0-80: 2.50
Annual None Min Rates: 120   3.00
Investors Insurance (Legacy)
PremierMark SE Plus (10%)
Gold Point-to-Point
Gold Strategies Point to Point 9
Years 		10.00 03/01/10     3.75 0-80: 2.50
Annual None Min Rates:     3.00
OM Financial Life Insurance Company
OMIndex-Spectrum 9
1-Year S&P 500 Monthly Point-to-Point
S&P 500 Point to Point 9
Years 		3.00 03/01/10     1.75 0-79: 9.00
80-85: 4.50
Annual Monthly Sum Min Rates: 100   1.00
OM Financial Life Insurance Company
OMIndex-Spectrum 9
2-Year S&P 500 Monthly Point-to-Point
S&P 500 Point to Point 9
Years 		3.00 03/01/10     2.65 0-79: 9.00
80-85: 4.50
Biennial Monthly Sum Min Rates: 100   1.00
OM Financial Life Insurance Company
OMIndex-Spectrum 9
3-Year S&P 500 Monthly Point-to-Point
S&P 500 Point to Point 9
Years 		3.00 03/01/10     3.35 0-79: 9.00
80-85: 4.50
Triennial Monthly Sum Min Rates: 100   1.00
OM Financial Life Insurance Company
OMIndex-Spectrum 9
1-Year S&P 500 Monthly Average
S&P 500 Point to Point 9
Years 		3.00 03/01/10     4.75 0-79: 9.00
80-85: 4.50
Annual Monthly Min Rates:     3.00
OM Financial Life Insurance Company
OMIndex-Spectrum 9
1-Year S&P 500 Annual Point-to-Point
S&P 500 Point to Point 9
Years 		3.00 03/01/10     4.50 0-79: 9.00
80-85: 4.50
Annual None Min Rates: 100   3.00
Surrender Charges Last 6 Years
NEW Product!
Great American Life Insurance Company
Safe Outlook - High
Fixed
Fixed 6
Years 		  02/22/10 2.35% 1-Yr Fixed 0-75: 4.00
76-80: 3.00
81-85: 2.00
Min Rates:
Great American Life Insurance Company
Safe Outlook - Low
Fixed
Fixed 6
Years 		  02/22/10 2.25% 1-Yr Fixed 0-75: 4.00
76-80: 3.00
81-85: 2.00
Min Rates:
Great American Life Insurance Company
Safe Outlook - Low
Monthly Average with Cap
S&P 500 Point to Point 6
Years 		  02/22/10     5.00 0-75: 4.00
76-80: 3.00
81-85: 2.00
Annual Monthly Min Rates:      
Great American Life Insurance Company
Safe Outlook - Low
Annual Point-to-Point with Cap
S&P 500 Point to Point 6
Years 		  02/22/10     5.00 0-75: 4.00
76-80: 3.00
81-85: 2.00
Annual None Min Rates:      
Great American Life Insurance Company
Safe Outlook - High
Annual Point-to-Point with Cap
S&P 500 Point to Point 6
Years 		  02/22/10     5.25 0-75: 4.00
76-80: 3.00
81-85: 2.00
Annual None Min Rates:      
Great American Life Insurance Company
Safe Outlook - High
Monthly Average with Cap
S&P 500 Point to Point 6
Years 		  02/22/10     5.25 0-75: 4.00
76-80: 3.00
81-85: 2.00
Annual Monthly Min Rates:      
Surrender Charges Last 5 Years
NEW!
Allianz Life
Allianz Pro V1
Fixed
Fixed 5
Years 		  03/02/10 2.85% 1-Yr Fixed 0-75: 3.25
76-80: 2.00
81-UP: 1.00
Min Rates:
ING USA Annuity and Life
ING Secure Index Five - Low
Fixed Rate Strategy
Fixed 5
Years 		  12/10/09 2.40% 1-Yr Fixed 0-80: 4.00+
Min Rates: 1.50
Next Rate Change:  03/17/10 2.40% 1-Yr Fixed
ING USA Annuity and Life
ING Secure Index Five - High
Fixed Rate Strategy
Fixed 5
Years 		  12/10/09 2.40% 1-Yr Fixed 0-80: 4.00+
Min Rates: 1.50
Next Rate Change:  03/17/10 2.40% 1-Yr Fixed
ING USA Annuity and Life
ING Secure Index Five - High
Fixed Rate Strategy (ROP)
Fixed 5
Years 		  12/10/09 2.15% 1-Yr Fixed 0-80: 4.00+
Min Rates: 1.50
Next Rate Change:  03/17/10 2.15% 1-Yr Fixed
ING USA Annuity and Life
ING Secure Index Five - Low
Fixed Rate Strategy (ROP)
Fixed 5
Years 		  12/10/09 2.15% 1-Yr Fixed 0-80: 4.00+
Min Rates: 1.50
Next Rate Change:  03/17/10 2.15% 1-Yr Fixed
ING USA Annuity and Life
ING Secure Index Five - Low
Point-to-Point Cap Index Strategy
S&P 500 Point to Point 5
Years 		  12/10/09     5.50 0-80: 4.00+
Annual None Min Rates:     2.00
Next Rate Change:  03/17/10     5.25
ING USA Annuity and Life
ING Secure Index Five - Low
Monthly Cap Index Strategy
S&P 500 Point to Point 5
Years 		  12/10/09     2.00 0-80: 4.00+
Annual Monthly Sum Min Rates:     0.50
Next Rate Change:  03/17/10     1.85
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
ING USA Annuity and Life
ING Secure Index Five - Low
Monthly Cap Index Strategy (ROP)
S&P 500 Point to Point 5
Years 		  12/10/09     1.90 0-80: 4.00+
Annual Monthly Sum Min Rates:     0.50
Next Rate Change:  03/17/10     1.75
ING USA Annuity and Life
ING Secure Index Five - Low
Point-to-Point Cap Index Strategy (ROP)
S&P 500 Point to Point 5
Years 		  12/10/09     5.00 0-80: 4.00+
Annual None Min Rates:     2.00
Next Rate Change:  03/17/10     4.75
ING USA Annuity and Life
ING Secure Index Five - High
Point-to-Point Cap Index Strategy
S&P 500 Point to Point 5
Years 		  12/10/09     6.50 0-80: 4.00+
Annual None Min Rates:     2.00
Next Rate Change:  03/17/10     6.25
ING USA Annuity and Life
ING Secure Index Five - High
Monthly Cap Index Strategy
S&P 500 Point to Point 5
Years 		  12/10/09     2.40 0-80: 4.00+
Annual Monthly Sum Min Rates:     0.50
Next Rate Change:  03/17/10     2.40
ING USA Annuity and Life
ING Secure Index Five - High
Monthly Cap Index Strategy (ROP)
S&P 500 Point to Point 5
Years 		  12/10/09     2.30 0-80: 4.00+
Annual Monthly Sum Min Rates:     0.50
Next Rate Change:  03/17/10     2.30
ING USA Annuity and Life
ING Secure Index Five - High
Point-to-Point Cap Index Strategy (ROP)
S&P 500 Point to Point 5
Years 		  12/10/09     6.00 0-80: 4.00+
Annual None Min Rates:     2.00
Next Rate Change:  03/17/10     5.75
Allianz Life
Allianz Pro V1
Barclay's Capital
LB Invt Grade Corp Bond Point to Point 5
Years 		  03/02/10   1.30   0-75: 3.25
76-80: 2.00
81-UP: 1.00
Annual None Min Rates:   6.00  
Showing 1-114 of 114   

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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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