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Encore Annuity and Life FIXED-INDEXED ANNUITIES
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Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
Featured Products
Surrender Charges Last 15 Years
National Western Life
NWL Ultra Future
15 yrs 55 (NQ) 4.75
to 10.00 		1.00% 87.50% $1,117 08/18/11
Qualified
0-70: 5.00+
71-75: 1.50+
76-80: 0.25+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Request Broker Kit
Option B: Fixed Account @ 1.90% Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 14 Years
Fidelity & Guaranty Life
Prosperity Elite 14
14 yrs (NQ)   1.00% 87.50% $1,006 02/02/12 0-79: 8.00
80-85: 4.00 		Request Broker Kit
3-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 2.50%
1-Year S&P 500 Monthly Average with A Cap 2-Year S&P 500 Point-to-Point with a Cap
1-Year Performance Triggered Account 1-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 14 Enhanced
14 yrs (NQ) 6.00 1.00% 87.50% $1,066 02/02/12 0-79: 8.00
80-85: 4.00 		Request Broker Kit
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap 2-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Average with A Cap Fixed Account @ 2.50%
3-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 14 Protection
14 yrs (NQ) 9.00 1.00% 87.50% $1,096 02/02/12 0-79: 8.00
80-85: 4.00 		Request Broker Kit
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Point-to-Point with a Cap
1-Year S&P 500 Point-to-Point with a Cap 3-Year S&P 500 Point-to-Point with a Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Monthly Average with A Cap
Fixed Account @ 2.50%
North American Company
Charter 14
14 yrs (NQ) 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+ Request Broker Kit
1-Year Dow Jones Annual Point-to-Point 1-Year Fixed @ 1.50%
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 400 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average
1-Year S&P 400 Annual Daily Average 1-Year NASDAQ-100 Monthly Point-to-Point
1-Year Hindsight Index Strategy 1-Year S&P 500 Annual Daily Average
Surrender Charges Last 13 Years
Up to 50% LIQUIDITY and 10% Commission
National Western Life
NWL Ultra Classic
13 yrs 80 (NQ)   1.00% 87.50% $ 996 08/18/11
Qualified
0-70: 10.00+
71-75: 8.00+
76-80: 7.00+
Non-Qualified
0-75: 10.00+
76-80: 8.50+
Request Broker Kit
Option D: Monthly Cap Annual Reset Option B: Fixed Account @ 2.40%
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 12 Years
GREAT Caps!
Athene Annuity
Enhanced Choice 12
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/18/12 0-75: 6.50+
76-UP: 3.50+ 		Request Broker Kit
8 Year Fixed Fixed @ 2.00% 1-Year DJIA Quarterly Point-to-Point Cap
1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap
1-Year S&P 500 Annual Point-to-Point Cap
Surrender Charges Last 10 Years
Up to 10% Commissions!
American National Ins. Co.
Value Lock 10
10 yrs 80   1.00-1.75% 90.00% $1,071 02/01/12 0-75: 10.00
76-80: 8.00 		Request Broker Kit
S&P 500 10 Year Point-to-Point
Allianz Life Ins. Co. of North America
Allianz 360 Annuity
10 yrs 80   1.00-1.35% 87.50% $1,001 02/07/12 0-75: 7.00
76-80: 5.00 		Request Broker Kit
1-Year Blended Monthly Average Spread 1-Year Eurostoxx 50 Annual Point-to-Point
1-Year Eurostoxx 50 Monthly Sum Cap 1-Year Nasdaq 100 Monthly Sum Cap
1-Year Nasdaq 100 Annual Point-to-Poiont 1-Year S&P 500 Monthly Sum Cap
1-Year Blended Annual Point-to-Point Cap 1-Year S&P 500 Annual Point-to-Point
1-Year Fixed Interest Account @ 1.80%
Allianz Life Ins. Co. of North America
MasterDex 10 Plus Annuity
10 yrs 80 10.00 1.00% 87.50% $1,063 02/07/12 0-75: 7.00+
76-80: 5.00+ 		Request Broker Kit
1 Year Blended Monthly Average Spread 1 Year Nasdaq 100 Point-to-Point Cap
1 Year FTSE 100 Point-to-Point Cap 1 Year FTSE 100 Monthly Sum Cap
1 Year Nasdaq 100 Monthly Sum Cap Fixed Interest Account @ 2.20%
1 Year S&P 500 Monthly Sum Cap 1 Year Blended Point-to-Point Cap
1 Year S&P 500 Point-to-Point Cap

8% Bonus and 8% Simple Income III Rider
Allianz Life Ins. Co. of North America
MasterDex X Annuity
10 yrs 80 6.00 1.95-2.05% 87.50% $1,136 02/07/12 0-75: 7.00+
76-80: 5.00+ 		Request Broker Kit
1 Year S&P 500 Monthly Cap 1 Year Blended Point-to-Point Cap
1 Year Nasdaq 100 Point-to-Point Cap 1 Year Fixed Interest Account @ 1.60%
1 Year S&P 500 SELECT Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap
1 Year Euro STOXX 50 Monthly Cap 1 Year Euro STOXX 50 Point-to-Point Cap
1 Year S&P 500 SELECT Annual Point-to-Point Cap 1 Year Blended Monthly Average Spread
1 Year Nasdaq 100 Monthly Cap
Amer. Equity Investment Life Ins. Co.
Retirement Gold (02-09)
10 yrs (NQ) 5.00
to 8.00 		1.50% 87.50% 10/08/11 0-78: 6.00+ Request Broker Kit
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Annual Point-to-Point Participation Rate
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+ 		Request Broker Kit
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+ 		Request Broker Kit
Fixed Strategy @ 1.55%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+ 		Request Broker Kit
Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+ 		Request Broker Kit
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+ 		Request Broker Kit
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Fidelity & Guaranty Life
FG Index-Accelerator 10
10 yrs 85 6.00 1.00-1.10% 87.50% $1,035 02/02/12 0-79: 7.50+
80-85: 3.75+ 		Request Broker Kit
1-Year S&P 500 Monthly Cap 2-Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Point-to-Point Fixed Interest Option @ 1.50%
1-Year S&P 500 Monthly Average
Fidelity & Guaranty Life
Prosperity Elite 10
10 yrs (NQ)   1.00% 87.50% $ 967 02/02/12 0-79: 7.00+
80-85: 3.50+ 		Request Broker Kit
3-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 2.25%
1-Year S&P 500 Monthly Average with A Cap 1-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Point-to-Point with a Cap 2-Year S&P 500 Point-to-Point with a Cap
1-Year Performance Triggered Account
Fidelity & Guaranty Life
Prosperity Elite 10 Enhanced
10 yrs (NQ) 5.00 1.00% 87.50% $1,015 02/02/12 0-79: 7.00+
80-85: 3.50+ 		Request Broker Kit
3-Year S&P 500 Point-to-Point with a Cap 1-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 2.25% 1-Year S&P 500 Monthly Average with A Cap
1-Year S&P 500 Monthly Point-to-Point with a Cap 1-Year Performance Triggered Account
2-Year S&P 500 Point-to-Point with a Cap
Fidelity & Guaranty Life
Prosperity Elite 10 Protection
10 yrs (NQ) 8.00 1.00% 87.50% $1,044 02/02/12 0-79: 7.00+
80-85: 3.50+ 		Request Broker Kit
3-Year S&P 500 Point-to-Point with a Cap Fixed Account @ 2.25%
1-Year S&P 500 Monthly Average with A Cap 1-Year S&P 500 Point-to-Point with a Cap
1-Year S&P 500 Monthly Point-to-Point with a Cap 1-Year Performance Triggered Account
2-Year S&P 500 Point-to-Point with a Cap
25% Lifetime Income Bonus
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Monthly Point-to-Point with Cap
25% Lifetime Income Bonus
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Annual Point-to-Point with Cap
25% Lifetime Income Bonus
Forethought Financial
Income 125 -Low
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Fixed Account Strategy @ 1.00% Monthly Point-to-Point with Cap
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
25% Lifetime Income Bonus
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Fixed Account Strategy @ 1.00%
25% Lifetime Income Bonus
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Annual Point-to-Point with Cap
25% Lifetime Income Bonus
Forethought Financial
Income 125 -Mid
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Monthly Point-to-Point with Cap
25% Lifetime Income Bonus
Forethought Financial
Income 125 -High
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Fixed Account Strategy @ 1.00%
25% Lifetime Income Bonus
Forethought Financial
Income 125 -Low
10 yrs (NQ)   1.00% 87.50% $ 967 02/01/12 0-75: 7.00+
76-85: 5.00+ 		Request Broker Kit
Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Annual Point-to-Point with Cap Fixed Account Strategy @ 1.00%
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Monthly Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Annual Point-to-Point with Cap
Forethought Financial
Index Bonus 115sm -Mid
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Fixed Account Strategy @ 1.00%
Forethought Financial
Index Bonus 115sm -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Fixed Account Strategy @ 1.00%
Forethought Financial
Index Bonus 115sm -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-75: 8.00+
76-85: 5.50+ 		Request Broker Kit
Monthly Point-to-Point with Cap

Return of Premium and Bailout!  10% Lifetime Income Roll-up with Enhanced Death Benefit Rider.
Great Amer. Life Ins. Co.
Safe Return
10 yrs 85   1.00% 100% $1,105 08/22/11
Qualified
18-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Request Broker Kit
1 Year S&P 500 Monthly Average with Cap Declared Rate Strategy @ 1.10%
1 Year S&P 500 Annual Point-to-Point Cap
New Benchmark Strategy for a low rate market!
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+ Request Broker Kit
Interest Rate Benchmark Strategy Monthly Cap Index Strategy
Fixed Rate Strategy @ 1.50%
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
New Benchmark Strategy for a low rate market!
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+ Request Broker Kit
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.50%
Interest Rate Benchmark Strategy
New Benchmark Strategy for a low rate market!
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+ Request Broker Kit
Point-to-Point Cap Index Strategy
New Benchmark Strategy for a low rate market!
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+ Request Broker Kit
Point-to-Point Cap Index Strategy
New! 7% Premium Bonus & 5% Lifetime Income Bonus = 12% Bonus
National Western Life
NWL IMPACT 10
10 yrs 80 (NQ) 7.00 1.00% 87.50% $1,034 08/18/11
Qualified
0-70: 6.50+
71-75: 5.00+
76-80: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 4.50+
Request Broker Kit
Option J: 1 Year Annual Point to Point with Cap Option B: Fixed Interest Rate @ 1.80%
Option D: 1 Year Annual Point to Point with Monthly Cap Option K: 1 Year Annual Poin to Point with Monthly Average
Option A: 1 Year Annual Point to Point with Monthly Average
North American Company
Charter 10
10 yrs 79 5.00 1.00% 87.50% $1,015 01/19/12 0-75: 7.50+
76-79: 5.63+ 		Request Broker Kit
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year S&P 400 Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point
1-Year S&P 400 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average 1-Year S&P 500 Annual Daily Average
1-Year Fixed @ 1.30% 1 -Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 500 Monthly Point-to-Point Cap 1- Year Hindsight Index
1-Year S&P 500 Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average
North American Company
North American Ten
10 yrs 79 7.00 1.00% 100% $1,182 01/19/12 0-75: 6.50+
76-79: 4.88+ 		Request Broker Kit
1-Year Nasdaq 100 Annual Point-to-Point 1-Year Dow Jones Monthly Average
1-Year Russell 2000 Monthly Average 1-Year Dow Jones Annual Point-to-Point
1-Year Nasdaq 100 Monthly Point-to-Point 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year Hindsight Index Strategy
1-Year S&P 500 Monthly Average 1-Year Russell 2000 Annual Point-to-Point
1-Year S&P 400 Monthly Average 1-Year S&P 400 Annual Point-to-Point
1-Year Fixed Account @ 1.15% 1-Year S&P 500 Monthly Point-to-Point
Phoenix Life Insurance Co.
Phoenix Personal Income Annuity
10 yrs (NQ)   1.00% 87.50% $ 967 01/01/12 0-75: 7.50
76-80: 5.00
81-85: 3.00 		Request Broker Kit
1-Year Euro Stoxx 50 2-Year S&P500
Monthly S&P 500 1-Year Balanced Allocation
1-Year DJIA 1-Year S&P 500
Fixed Account @ 0.85%

7.00% Commission! 10% Freeout in the 1st year and Competitive Rates.
Reliance Standard Life
Keystone 10 Index Annuity
10 yrs 85   1.00% 100% $1,105 09/29/11 0-80: 7.00
81-85: 4.20 		Request Broker Kit
1-Year Monthly Average - Participation Rate 1-Year Point-to-Point - Participation Rate
Fixed Interest Strategy @ 1.90% 1-Year Monthly Average - Capped
1-Year Point-to-Point - Capped
Surrender Charges Last 9 Years
Fidelity & Guaranty Life
FG Index-Choice 9
9 yrs 85 3.00 1.00-1.10% 103.00% $1,171 02/02/12 0-79: 9.00+
80-85: 4.50+ 		Request Broker Kit
2-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Annual Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average Fixed Account @ 1.50%
Surrender Charges Last 7 Years
Fidelity & Guaranty Life
Prosperity Elite 7
7 yrs (NQ)   1.00% 87.50% $ 938 02/02/12 0-79: 5.00
80-85: 2.50 		Request Broker Kit
1-Year S&P 500 Monthly Point-to-Point with Cap 1-Year S&P 500 Point-to-Point with Cap
1-Year Performance Triggered Account 1-Year S&P 500 Monthly Average with Cap
2-Year S&P 500 Point-to-Point with Cap Fixed Account @ 2.00%
3-Year S&P 500 Point-to-Point with Cap
Fidelity & Guaranty Life
Prosperity Elite 7 Enhanced
7 yrs (NQ) 3.00 1.00% 87.50% $ 966 02/02/12 0-79: 5.00
80-85: 2.50 		Request Broker Kit
3-Year S&P 500 Point-to-Point with Cap 1-Year S&P 500 Point-to-Point with Cap
Fixed Account @ 2.00% 2-Year S&P 500 Point-to-Point with Cap
1-Year S&P 500 Monthly Average with Cap 1-Year S&P 500 Monthly Point-to-Point with Cap
1-Year Performance Triggered Account
Fidelity & Guaranty Life
Prosperity Elite 7 Protection
7 yrs (NQ) 5.00 1.00% 87.50% $ 985 02/02/12 0-79: 5.00
80-85: 2.50 		Request Broker Kit
Fixed Account @ 2.00% 3-Year S&P 500 Point-to-Point with Cap
1-Year S&P 500 Monthly Point-to-Point with Cap 1-Year S&P 500 Point-to-Point with Cap
1-Year S&P 500 Monthly Average with Cap 2-Year S&P 500 Point-to-Point with Cap
1-Year Performance Triggered Account
New! 5% Premium Bonus & 5% Lifetime Income Bonus = 10% Bonus
National Western Life
NWL IMPACT 7
7 yrs 80 (NQ) 5.00 1.00% 87.50% $ 985 08/18/11
Qualified
0-70: 5.50+
71-75: 4.00+
76-80: 1.50+
Non-Qualified
0-75: 5.50+
76-80: 3.50+
Request Broker Kit
Option J: 1 Year Annual Point to Point with Cap Option B: Fixed Interest Rate @ 2.15%
Option A: 1 Year Annual Point to Point with Monthly Average Option D: 1 Year Annual Point to Point with Monthly Cap
Option K: 1 Year Annual Poin to Point with Monthly Average
North American Company
Charter 7
7 yrs 85   1.00% 87.50% $ 938 01/19/12 0-75: 7.50+
76-80: 5.63+
81-85: 3.75+ 		Request Broker Kit
1-Year Fixed @ 1.00% 1-Year S&P 500 Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
1-Year Dow Jones Annual Daily Average 1- Year Hindsight Index Strategy
1-Year S&P 400 Annual Daily Average 1-Year Russell 2000 Annual Daily Average
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
1-Year S&P 500 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year NASDAQ Monthly Point-to-Point 1-Year S&P 400 Annual Point-to-Point
Surrender Charges Last 5 Years
Allianz Life Ins. Co. of North America
Allianz Pro V1
5 yrs 85   1.00% 87.50% $ 920 02/07/12 0-75: 3.25
76-80: 2.00
81-UP: 1.00 		Request Broker Kit
1-Year PIMCO US Advantage Index Spread 1-Year Barclay's Capital Spread
1-Year Fixed Interest Account @ 1.75%
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Point-to-Point Cap Index Strategy Interest Rate Benchmark Strategy (ROP)
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Monthly Cap Index Strategy Interest Rate Benchmark Strategy
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Fixed Rate Strategy (ROP) @ 1.25% Fixed Rate Strategy @ 1.50%
Point-to-Point Cap Index Strategy (ROP)
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Fixed Rate Strategy @ 1.50%
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Interest Rate Benchmark Strategy Monthly Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Point-to-Point Cap Index Strategy (ROP) Fixed Rate Strategy (ROP) @ 1.25%
ING Annuity and Asset Sales
ING Secure Index Five -High
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Monthly Cap Index Strategy (ROP)
ING Annuity and Asset Sales
ING Secure Index Five -Low
5 yrs 80   1.00% 87.50% $ 920 01/18/12 0-80: 3.25+ Request Broker Kit
Interest Rate Benchmark Strategy (ROP) Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy (ROP)
Reliance Standard Life
Keystone 5 Index Annuity
5 yrs 85   1.00% 100% $1,051 09/29/11 0-80: 4.00
81-85: 2.40 		Request Broker Kit
Fixed Interest Strategy @ 1.80% 1-Year Point-to-Point - Participation Rate
1-Year Monthly Average - Participation Rate 1-Year Point-to-Point - Capped
1-Year Monthly Average - Capped
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
The Standard
Index Growth Annuity 5 -Low
5 yrs 90   1.00% 100% $1,051 01/01/12 0-80: 4.00
81-85: 2.25
86-90: 1.85 		Request Broker Kit
1-Year S&P 500 Annual Point-to-Point Fixed Interest Account @ 1.70%
The Standard
Index Growth Annuity 5 -High
5 yrs 90   1.00% 100% $1,051 01/01/12 0-80: 4.00
81-85: 2.25
86-90: 1.85 		Request Broker Kit
Fixed Interest Account @ 1.70% 1-Year S&P 500 Annual Point-to-Point

Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-05) DE
17 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 0-75: 6.00+
76-80: 4.50+ 		Request Broker Kit
1-Year S&P 500 Point-to-Point Cap 1-Year Dow Jones Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation Rate 10 Year U.S. Treasury Bond Value with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate 1-Year Dow Jones Monthly Average Cap
Traditional Fixed Value @ 2.25% 1-Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average with Cap
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)
16 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 0-75: 6.00+
76-80: 4.50+ 		Request Broker Kit
1 Year S&P 500 Monthly Average Participation Rate 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point Cap Traditional Fixed Value @ 1.75%
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate
1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap
10 Year U.S. Treasury Bond Value with Cap
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 75 10.00 2.00% 87.50% $1,270 10/24/11 0-75: 8.50+ Request Broker Kit
2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Point-to-Point Cap
1 Year S&P 500 Monthly Average Participation 1-Year S&P 500 Monthly Cap
1-Year Fixed Interest Account @ 1.50% 1-Year S&P 500 Daily Average Cap
EquiTrust Life Ins. Co.
MarketTwelve Bonus
14 yrs 75 6.00 2.00% 87.50% $1,224 10/24/11 0-75: 9.00 Request Broker Kit
1-Year Fixed Account @ 1.15% 1-Year S&P 500 Monthly Cap
2-Year Monthly Average Cap 1-Year S&P 500 Daily Average Cap
1-Year S&P 500 Monthly Average Participation 1-Year S&P 500 Point-to-Point Cap
Fidelity & Guaranty Life
FG AccumulatorPlus 14
14 yrs (NQ)   1.00% 87.50% $1,006 02/02/12 0-85: 7.50 Request Broker Kit
1 Year S&P 500 Point-to-Point with Cap 1-Year Fixed Account @ 3.00%
1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average with Cap
1 Year Index Gain Option with Declared Rate
National Western Life
NWL Ultra Benefit
14 yrs 85 4.00
to 5.00 		1.00% 87.50% $1,056 08/18/11
Qualified
0-70: 6.00+
71-75: 3.50+
76-81: 1.50+
Non-Qualified
0-75: 6.00+
76-80: 4.00+
81-85: 1.50+
Request Broker Kit
Option B: Fixed Interest Rate @ 1.00% Option D: Monthly Cap Annual Reset
Option A: Monthly Average Annual Reset
North American Company
Charter 14 (TX)
14 yrs 75   1.00% 87.50% $1,006 01/19/12 Request Broker Kit
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 400 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point
1-Year Russell 2000 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
1-Year Hindsight Index Strategy 1-Year Fixed @ 2.00%
1-Year Dow Jones Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1 -Year NASDAQ Monthly Point-to-Point Cap 1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year S&P 400 Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1 -Year NASDAQ Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Annual Point-to-Point S&P 500 1-Year Fixed @ 3.35%
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Annual Point-to-Point S&P 500 1-Year Fixed @ 3.05%
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year S&P 500 Annual Point-to-Point Cap 1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Nasdaq-100 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year S&P 400 Annual Point-to-Point 1-Year Fixed @ 3.10%
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Nasdaq-100 Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year S&P 500 Annual Point-to-Point Cap
1-Year Russell 2000 Annual Point-to-Point
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Nasdaq-100 Monthly Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Fixed @ 2.70%
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Dow Jones Annual Point-to-Point
North American Company
Freedom Choice 14 -Low
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year S&P 400 Annual Point-to-Point 1-Year Nasdaq-100 Monthly Point-to-Point Cap
North American Company
Freedom Choice 14 -High
14 yrs 75   1.00% 87.50% $1,006 01/19/12 0-75: 5.50+ Request Broker Kit
1-Year Russell 2000 Annual Point-to-Point
North American Company
North American Prizm Plus 14
14 yrs 75 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+ Request Broker Kit
1-Year S&P 400 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 1-Year Fixed @ 1.50%
1-Year S&P 400 Monthly Average 1-Year Russell 2000 Monthly Averaging
1-Year DJIA Point-to-Point 1-Year S&P 500 Point-to-Point
1-Year DJIA Monthly Average 1-Year Nasdaq 100 Point-to-Point
1-Year Nasdaq -100 Monthly Point-to-Point 1-Year Russell 2000 Point-to-Point
1-Year S&P 500 Monthly Average
North American Company
Precision 14
14 yrs 75 10.00 1.00% 87.50% $1,106 01/19/12 0-75: 7.50+ Request Broker Kit
1-Year Dow Jones Annual Daily Average 1-Year S&P 400 Annual Daily Average
1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year NASDAQ Monthly Point-to-Point Cap
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Annual Daily Average
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Fixed @ 1.50% 1-Year Hindsight Index
1-Year S&P 500 Annual Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co.
Bonus 5 (INDEX-3-07-WA)
12 yrs (NQ) 3.00
to 5.00 		1.50% 87.50% 10/08/11 0-57: 6.00+
58-80: 4.00+ 		Request Broker Kit
1 Year S&P 500 Monthly Average with Cap Traditional Fixed Value @ 1.75%
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Average Participation Rate 1-Year S&P 500 Monthly Point-to-Point
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 5.00 1.50% 90.00% $1,130 02/06/12 0-75: 8.00+
76-80: 4.00+
81-85: 2.50+ 		Request Broker Kit
Fixed Interest Account @ 1.30% Monthly Additive Account with Cap
2-Year Point-to-Point Account with Cap
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12 (CA)
12 yrs 85 5.00 2.00% 90.00% $1,198 02/06/12 0-75: 8.00
76-80: 4.00
81-85: 2.50 		Request Broker Kit
2-Year Point-to-Point Account with Cap Fixed Interest Account @ 2.00%
Monthly Additive Account with Cap
F&G Life (Legacy)
AmeriMark Freedom
12 yrs 85   1.00% 87.50% $ 986 02/01/12 0-80: 8.00
81-85: 4.00 		Request Broker Kit
Annual Point-to-Point 3 Year Monthly Average w/ Spread
Annual Point-to-Point 3 Yr Highwater Declared Rate on Gain Strategy
Monthly Cap Strategy 2-Year Monthly Average w/ Cap
Fixed @ 2.00%
F&G Life (Legacy)
AmeriMark Freedom SE
12 yrs 85 4.00 1.00% 87.50% $1,025 02/01/12 0-80: 7.00
81-85: 3.50 		Request Broker Kit
Annual Point-to-Point Fixed @ 1.75%
Declared Rate on Gain Strategy Monthly Cap Strategy
2-Year Monthly Average w/ Cap Annual Point-to-Point 3 Yr Highwater
3 Year Monthly Average w/ Spread
Great Amer. Life Ins. Co.
American Valor II
12 yrs 85 3.00
to 5.00 		1.00% 100% $1,183 08/22/11
Qualified
18-75: 6.00+
76-80: 4.50+
81-85: 2.50+
Non-Qualified
0-75: 6.00+
76-80: 4.50+
81-UP: 2.50+
Request Broker Kit
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point
Declared Rate Strategy @ 1.00%
North American Company
NA Performance Choice 12
12 yrs (NQ)   1.00% 87.50% $ 986 01/19/12 0-75: 6.50+ Request Broker Kit
1-Year Nasdaq 100 Monthly Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year Nasdaq 100 Point-to-Point 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 2.50% 1-Year Hang Seng Point-to-Point
1-Year DJ EuroStoxx 50 Point-to-Point 1-Year S&P 500 Point-to-Point
Inverse Performance Trigger 1-Year Dow Jones Point-to-Point
1-Year Russell 2000 Point-to-Point
North American Company
NA Performance Choice 12 Plus
12 yrs (NQ) 8.00 1.00% 87.50% $1,065 01/19/12 0-75: 6.50+ Request Broker Kit
1-Year Hang Seng Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point Cap
1-Year S&P 500 Monthly Point-to-Point Cap 1-Year Russell 2000 Point-to-Point
1-Year Nasdaq 100 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 500 Point-to-Point 1-Year Dow Jones Point-to-Point
Inverse Performance Trigger 1-Year S&P 400 Point-to-Point
1-Year Fixed @ 1.75%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus
12 yrs (NQ) 5.00
to 10.00 		1.00% 87.50% $1,085 01/01/12 0-75: 7.50+
76-80: 5.00+
81-86: 3.00+ 		Request Broker Kit
Performance Trigger Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Global
Rainbow Point to Point Indexed Account - 1 year Domestic Point to Point Indexed Account - 1 year S&P 500
Fixed Account @ 0.85% Monthly Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Fixed Account @ 2.50% Rainbow Point to Point Indexed Account - 1 year Global
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Performance Trigger Indexed Account - 1 year S&P 500 Monthly Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Performance Trigger Indexed Account - 1 year S&P 500 Rainbow Point to Point Indexed Account - 1 year Domestic
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Rainbow Point to Point Indexed Account - 1 year Domestic Point to Point Indexed Account - 1 year S&P 500
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Monthly Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Fixed Account @ 2.50%
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -Low
12 yrs (NQ) 5.00 1.00% 87.50% $1,035 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Point to Point Indexed Account - 1 year S&P 500
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 5% -High
12 yrs (NQ)   1.00% 87.50% $ 986 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Rainbow Point to Point Indexed Account - 1 year Global
Phoenix Life Insurance Co.
Phoenix Reflections Gold Bonus 6%
12 yrs (NQ) 6.00 1.00% 87.50% $1,045 01/01/12 0-75: 7.50
76-80: 5.00
81-86: 3.00 		Request Broker Kit
Fixed Account @ 0.75% Rainbow Point to Point Indexed Account - 1 year Global
Rainbow Point to Point Indexed Account - 1 year Domestic Monthly Point to Point Indexed Account - 1 year S&P 500
Point to Point Indexed Account - 1 year S&P 500 Performance Trigger Indexed Account - 1 year S&P 500
Surrender Charges Last 10 Years
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-78: 5.50+ 		Request Broker Kit
Fixed Strategy @ 1.45%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -High
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-79: 5.50+ 		Request Broker Kit
Fixed Strategy @ 1.45%
Forethought Financial
Destination Income 15 -High
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00 		Request Broker Kit
Fixed Account Strategy @ 2.00%
Forethought Financial
Destination Income 15 -Mid
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00 		Request Broker Kit
Fixed Account Strategy @ 2.00%
Forethought Financial
Destination Income 15 -Low
10 yrs 85   2.00% 90.00% $1,097 02/01/12 0-75: 6.50
76-85: 5.00 		Request Broker Kit
Fixed Account Strategy @ 2.00%
Aviva Life & Annuity (Income Series)
Income Preferred Ultra -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-78: 5.50+ 		Request Broker Kit
Fixed Strategy @ 1.00%
Aviva Life & Annuity (MultiChoice Series)
MultiChoice Advantage -Low
10 yrs 78 3.00
to 5.00 		1.00% 87.50% $1,015 01/06/12 0-75: 7.50+
76-79: 5.50+ 		Request Broker Kit
Fixed Strategy @ 1.00%
Allianz Life Ins. Co. of North America
Allianz 365i Annuity
10 yrs (NQ) 8.00 2.15% 87.50% $1,169 02/07/12 0-75: 7.00+
76-80: 5.00+ 		Request Broker Kit
1 Year Nasdaq 100 Point-to-Point Cap 1 Year Blended Monthly Average Spread
1 Year S&P 500 SELECT Monthly Sum Cap 1 Year Blended Point-to-Point Cap
1-Year S&P 500 Monthly Sum Cap 1 Year S&P 500 SELECT Annual Point-to-Point Cap
1 Year S&P 500 Point-to-Point Cap 1 Year EuroSTOXX 50 Point-to-Point Cap
1-Year Nasdaq 100 Monthly Sum Cap 1 Year Fixed Interest Account @ 1.50%
1 Year EuroSTOXX 50 Monthly Sum Cap
Allianz Life Ins. Co. of North America
Endurance Plus
10 yrs 80   1.50% 90.00% $1,044 02/07/12 0-75: 7.00+
76-80: 3.50+ 		Request Broker Kit
1 Year S&P 500 Point-to-Point 1 Year S&P 500 SELECT Point-to-Point Cap
1 Year Fixed Interest Account @ 1.90% 1-Year S&P 500 Monthly Sum Cap
1 Year Blended Point-to-Point Cap 1-Year Nasdaq 100 Monthly Sum Cap
1 Year FTSE 100 Monthly Sum Cap 1 Year FTSE 100 Point-to-Point Cap
1 Year S&P 500 SELECT Monthly Sum Cap 1 Year Blended Monthly Average
1 Year Nasdaq 100 Point-to-Point
Allianz Life Ins. Co. of North America
MasterDex 3 Plus
10 yrs (NQ) 3.00 2.00% 87.50% $1,099 02/07/12 65-69: 7.00
70-80: 5.00 		Request Broker Kit
Blended Index Annual Point-to-Point Nasdaq 100 Monthly Sum
1-Year Fixed Interest Option @ 1.50% 1-Year S&P 500 Annual Point-to-Point
FTSE 100 Monthly Sum Nasdaq 100 Annual Point-to-Point
Blended Index Monthly Averaging 1-Year S&P 500 Monthly Sum
FTSE 100 Annual Point-to-Point
Allianz Life Ins. Co. of North America
MasterDex 5 Plus Annuity
10 yrs 80 3.00
to 5.00 		2.00% 87.50% $1,120 02/07/12 0-75: 7.00+
76-80: 5.00+ 		Request Broker Kit
1 Year Nasdaq 100 Monthly Sum Cap 1 Year FTSE 100 Monthly Sum Cap
1 Year S&P 500 Point-to-Point Cap 1 Year Fixed Interest Account @ 1.50%
1 Year S&P 500 Monthly Sum Cap 1 Year Blended Point-to-Point Cap
1 Year FTSE 100 Point-to-Point Cap 1 Year Blended Monthly Average Spread
1 Year Nasdaq 100 Point-to-Point Cap
Amer. Equity Investment Life Ins. Co.
10/10 Gold (Index 6-05)
10 yrs (NQ)   1.50% 87.50% 10/08/11 0-75: 6.00+
76-80: 4.50+ 		Request Broker Kit
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Annual Point-to-Point Participation Rate Traditional Fixed Value @ 1.75%
1 Year S&P 500 Monthly Average Participation Rate
Amer. Equity Investment Life Ins. Co.
Advantage Gold
10 yrs (NQ) 5.00 1.50% 84.00% 10/08/11 0-75: 6.00+
76-80: 4.50+ 		Request Broker Kit
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Monthly Point-to-Point Traditional Fixed Value @ 1.65%
1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap
Amer. Equity Investment Life Ins. Co.
Benefit Gold (ICC10 IDX 110*)
10 yrs (NQ) 5.00 1.50% 87.50% 10/08/11 0-75: 5.25+
76-80: 3.94+ 		Request Broker Kit
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Point-to-Point Cap
10 Year U.S. Treasury Bond Value with Cap 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Monthly Point-to-Point
Amer. Equity Investment Life Ins. Co.
Millenium Platinum (WA)
10 yrs (NQ)   1.50% 87.50% 10/08/11 0-75: 6.00+
76-80: 4.50+ 		Request Broker Kit
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Monthly Point-to-Point
1 Year S&P 500 Monthly Average Participation Rate 10 Year U.S. Treasury Bond Value with Cap
1 Year S&P 500 Annual Point-to-Point Participation Rate
Amer. Equity Investment Life Ins. Co.
Retirement Gold (INDEX-4-10-FL)
10 yrs (NQ) 8.00 1.50% 87.50% 10/08/11 0-64: 6.00+
65-75: 5.25+
76-78: 4.50+ 		Request Broker Kit
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Annual Point-to-Point Participation Rate
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Point-to-Point
Amer. Equity Investment Life Ins. Co.
Retirement Gold (RG-FIA-09)
10 yrs (NQ) 6.00 1.50% 87.50% 10/08/11 0-78: 5.25+ Request Broker Kit
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate
1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Point-to-Point
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity
10 yrs 80 5.00 1.50% 100% $1,219 02/06/12 0-75: 5.25
76-80: 2.75 		Request Broker Kit
Global Multiple Index Account with Cap Annual Point-to-Point Account with Participation Rate
Monthly Additive Account with Cap Fixed Interest Account @ 1.60%
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity (CA)
10 yrs 80 5.00 2.00% 100% $1,280 02/06/12 0-75: 5.25
76-80: 2.75 		Request Broker Kit
Global Multiple Index Account with Cap Monthly Additive Account with Cap
Fixed Interest Account @ 2.00% Annual Point-to-Point Account with Participation Rate
Amer. General Life Ins. Co.
AG Vision Maximizer
10 yrs 75 5.00 1.50% 90.00% $1,097 02/06/12 0-75: 8.00+ Request Broker Kit
Annual Point-to-Point Account with Adjustable Participation Monthly Average Account with Index Spread
Annual Point-to-Point Account with Cap Fixed Interest Account @ 1.20%
Amer. General Life Ins. Co.
AG Vision Maximizer (CA)
10 yrs 75 5.00 2.00% 90.00% $1,152 02/06/12 0-UP: 8.00 Request Broker Kit
Monthly Average Account with Index Spread Annual Point-to-Point with Adjustable Participation
Fixed Interest Account @ 2.00% Annual Point-to-Point with Cap
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
S&P 500® One-Year Point-to-Point Strategy Capped
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
S&P 500® One-Year Point-to-Point Strategy Participation Rate
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
S&P 500® Five-Year Point-to-Point Strategy
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
Guaranteed One-Year Fixed Interest Crediting @ 1.50%
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
Guaranteed One-Year Fixed Interest Crediting @ 1.50%
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -Low
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
S&P 500® Two-Year Monthly Average Strategy S&P 500® One-Year Point-to-Point Strategy Participation Rate
Amer. Natl. Ins. (Legacy)
BenchMark 500SM Ten SE -High
10 yrs 85   1.00% 87.50% $ 967 02/01/12 0-70: 8.00+
71-75: 6.00+
76-80: 4.00+
81-85: 4.00+ 		Request Broker Kit
S&P 500® Five-Year Point-to-Point Strategy S&P 500® One-Year Point-to-Point Strategy Capped
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra
10 yrs 90   1.00-1.75% 100% $1,189 02/01/12 0-75: 7.00
76-90: 5.50 		Request Broker Kit
Guaranteed One Year @ 2.35% Index 10 Year Treasury @ 1.75%
Index Corporate Bond @ 2.84% Guaranteed One Year Current Market @ 1.35%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra (TX, UT, WA)
10 yrs 90   1.00% 100% $1,105 02/01/12 0-75: 6.75
76-90: 5.25 		Request Broker Kit
Guaranteed One Year @ 2.20% Index Corporate Bond @ 2.69%
Guaranteed One Year Current Market @ 1.20% Index 10 Year Treasury @ 1.57%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 2
10 yrs 90   1.00-1.75% 100% $1,189 02/01/12 0-75: 6.30
76-90: 4.80 		Request Broker Kit
Index Corporate Bond @ 2.79% Index 10 Year Treasury @ 1.67%
Guaranteed One Year @ 2.30% Guaranteed One Year Current Market @ 1.30%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 2 (TX, UT, WA)
10 yrs 90   1.00% 100% $1,105 02/01/12 0-75: 6.00
76-90: 4.50 		Request Broker Kit
Guaranteed One Year @ 2.15% Index 10 Year Treasury @ 1.52%
Index Corporate Bond @ 2.64% Guaranteed One Year Current Market @ 1.15%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 4
10 yrs 85   1.00-1.75% 100% $1,189 02/01/12 0-75: 5.60
76-UP: 4.10 		Request Broker Kit
Guaranteed One Year Current Market @ 1.25% Guaranteed One Year @ 2.25%
Index Corporate Bond @ 2.74% Index 10 Year Treasury @ 1.62%
Amer. Natl. Ins. (Legacy)
BenchMark Reliance Extra 4 (TX, UT, WA)
10 yrs 85   1.00% 100% $1,105 02/01/12 0-75: 5.25
76-UP: 4.00 		Request Broker Kit
Guaranteed One Year Current Market @ 1.10% Guaranteed One Year @ 3.10%
Index 10 Year Treasury @ 1.47% Index Corporate Bond @ 2.59%
American National Ins. Co.
ANICO Strategy Indexed Annuity 10
10 yrs 85   1.00% 90.00% $ 994 02/01/12 0-75: 8.00+
76-80: 6.50+
81-85: 5.00+ 		Request Broker Kit
Declared Rate Interest Account @ 1.00% 1 Year S&P 500 Point-to-Point
Athene Annuity
Choice 10
10 yrs (NQ)   1.00% 87.50% $ 967 01/18/12 0-75: 6.50+
76-UP: 3.50+ 		Request Broker Kit
1-Year DJIA Monthly Average Cap 1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap 1-Year DJIA Quarterly Point-to-Point Cap
1-Year Fixed Account @ 3.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+ 		Request Broker Kit
1-Year S&P 500 Point-to-Point Fixed Strategy @ 1.00%
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+ 		Request Broker Kit
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+ 		Request Broker Kit
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -High
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+ 		Request Broker Kit
1-Year S&P 500 Monthly Cap Fixed Strategy @ 1.55%
1-Year S&P 500 Point-to-Point
Aviva Life & Annuity (Income Series)
Income Preferred Bonus Pro -Low
10 yrs 78 6.00 1.00% 87.50% $1,025 01/06/12 65-75: 6.50+
76-78: 4.50+ 		Request Broker Kit
1-Year S&P 500 Monthly Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+ 		Request Broker Kit
1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+ 		Request Broker Kit
1-Year Monthly Cap Index Strategy Fixed Strategy @ 1.00%
1-Year Point-to-Point Index Strategy
Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate 		Additional
Information
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -High
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+ 		Request Broker Kit
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus S -Low
10 yrs 78 4.00 1.00% 87.50% $1,005 01/06/12 0-75: 6.00+
76-78: 4.00+ 		Request Broker Kit
1-Year Average Index Strategy