Encore Annuity and Life FIXED-INDEXED ANNUITIES

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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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Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 DJ EuroStoxx 50 Hang Seng Nikkei 225 Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond

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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index-1-05 & Index-7-05-OK)	17 yrs	(NQ)	10.00%	3.00%	87.50%		11/04/09	0-75: 8.20+ 76-80: 6.15+ see notes
	Fixed @ 3.10% S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP S&P 500 Monthly Point-to-Point Lehman Brothers U.S. Aggregate Annual Point-to-Point Dow Jones Annual Monthly Average Dow Jones Annual Point-to-Point
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index 1-07)	16 yrs	80	10.00%	3.00%	87.50%		11/04/09	0-75: 6.00+ 76-80: 4.50+ see notes
	1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point Fixed Value @ 3.10% 1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Lehman U.S. Aggregate Point-to-Point
Surrender Charges Last 15 Years
National Western Life Liberty Champion	15 yrs	85	5.00%				02/21/10	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qualified 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Fixed @ 2.85% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Ultra Future	15 yrs	80	10.00%	2.00%	87.50%	$1,295	02/21/10	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Account @ 3.40% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap
Surrender Charges Last 14 Years
Amer. Equity Investment Life Ins. Co. Retirement Gold (02-09)	14 yrs	78	10.00%	2.25%	87.50%		11/04/09	0-78: 6.00+ see notes
	Fixed @ 2.90% S&P 500 Monthly Average w/ Participation S&P 500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Cap
Annuity Investors Life (Great Amer. Life) FlexMax 14	14 yrs	80	5.00%	2.00%	90.00%	$1,247	01/21/10	Qualified 18-55: 8.00+ 56-70: 4.75+ Non-Qualified 0-55: 8.00+ 56-70: 4.75+ 71-80: 3.95+ see notes
	Declared Rate Strategy @ 2.50% 1 Year S&P 500 Annual Point-to-Point
EquiTrust Life Ins. Co. Market Power Bonus Index	14 yrs	80	10.00%	3.00%	87.50%	$1,456	03/12/10	0-80: 8.50+ see notes
	1-Year Interest Account @ 2.85% 1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Point-to-Point Cap 2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Monthly Cap 1 Year S&P 500 Monthly Average Participation
EquiTrust Life Ins. Co. MarketTwelve Bonus	14 yrs	(NQ)	6.00%	3.00%	87.50%	$1,403	03/12/10
	Fixed @ 2.60% 1-Year S&P 500 Point-to-Point w/Cap 1-Year S&P 500 Daily Average w/ Cap 1-Year S&P 500 Monthly Average w/Participation 1-Year S&P 500 Monthly Cap 2-Year Monthly Average Cap
National Western Life NWL Ultra Benefit	14 yrs	(NQ)	5.00%	2.00%	87.50%	$1,212	02/21/10	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qualified 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset Fixed @ 2.50%
Now Accepting Annuity Agent Contracting!
North American Company Charter 14	14 yrs	75	11.00%	1.10%	87.50%	$1,132	02/23/10	0-75: 8.50+ see notes
	1-Year Fixed @ 2.60% 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point 1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Lehman Bros. US Aggregate 1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Hindsight Index Strategy 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice (5%) 14 -Low	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Fixed @ 4.85% 1-Year Monthly Point-to-Point S&P 500 1-Year Annual Point-to-Point S&P 500 1-Year Annual Point-to-Point DJIA 1-Year Annual Point-to-Point LB U.S. Aggregate 1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point S&P 400 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice (5%) 14 -High	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Annual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Fixed @ 5.20% 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point NADAQ 100 1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point S&P 400 1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point LB U.S. Aggregate 1-Year Annual Point-to-Point DJIA
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice 14 -Low	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Fixed @ 4.40% 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice 14 -High	14 yrs	75		1.10%	87.50%	$1,020	02/23/10	0-75: 5.50+ see notes
	1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Fixed @ 4.80% 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
Now Accepting Annuity Agent Contracting!
North American Company North American Prizm Plus 14	14 yrs	75	10.00%	1.10%	87.50%	$1,122	02/23/10	0-75: 8.50+ see notes
	1-Year Fixed @ 3.00% 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 400 Point-to-Point 1-Year S&P 400 Monthly Average 1-Year DJIA Point-to-Point 1-Year DJIA Monthly Average 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Russell 2000 Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Lehman Bros. U.S. Aggregate Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year Nasdaq -100 Monthly Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company Precision 14	14 yrs	75	11.00%	1.10%	87.50%	$1,132	02/23/10	0-75: 8.50+ see notes
	Fixed @ 2.60% Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point Nasdaq -100 Monthly Point-to-Point Nasdaq-100 Annual Point-to-Point Lehman Bros. US Aggregate Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point Dow Jones EuroStoxx 50 Point-to-Point 1 - Year Hindsight Index Strategy S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point
Surrender Charges Last 13 Years
Up to 50% LIQUIDITY and 12% Commissions!
National Western Life NWL Ultra Classic	13 yrs	80		2.00%	87.50%	$1,132	02/21/10	Qualified 0-70: 12.00+ 71-75: 10.00+ 76-80: 9.00+ Non-Qualified 0-75: 12.00+ 76-80: 10.50+ see notes
	Option B: Fixed Account @ 3.80% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap Annual Reset
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co. Bonus 5 (INDEX-3-07-WA)	12 yrs	(NQ)	5.00%				11/04/09	0-57: 6.00+ 58-80: 4.00+ see notes
	S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP S&P 500 Monthly Point-to-Point Fixed @ 3.10%

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Amer. Equity Investment Life Ins. Co. Income Gold (Index 3-07)	12 yrs	80	5.00%	3.00%	87.50%		11/04/09	0-75: 5.63+ 76-80: 4.22+ see notes
	1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap Fixed Account @ 3.10% 1-Year Lehman U.S. Aggregate Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
Amer. General Life Ins. Co. AG HorizonIndex Annuity 12	12 yrs	85	5.00%	2.00%	90.00%	$1,198	03/05/10	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap Fixed Interest Account @ 2.80%
Annuity Investors Life (Great Amer. Life) FlexMax 12	12 yrs	85		2.00%	90.00%	$1,141	01/21/10	Qualified 18-60: 9.25+ 61-70: 6.75+ Non-Qualified 0-60: 9.25+ 61-85: 6.75+ see notes
	Declared Rate Strategy @ 2.50% 1 Year S&P 500 Annual Point-to-Point
Great Amer. Life Ins. Co. American Valor II	12 yrs	85	5.00%	1.00-2.00%	100%	$1,332	01/21/10	Qualified 18-75: 6.50+ 76-80: 5.35+ 81-85: 3.60+ Non-Qualified 0-75: 6.50+ 76-80: 5.35+ 81-85: 3.60+ see notes
	1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap Declared Rate Strategy @ 2.75%
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	03/01/10	0-75: 8.00+ see notes
	Fixed @ 2.55% Performance Triggered 2-Year Point to Point 2-Year Monthly Cap
Lincoln Financial Group Lincoln OptiPoint 12 -High	12 yrs	75	5.00%	2.00%	100%	$1,332	03/01/10	0-75: 8.00+ see notes
	Fixed @ 2.55% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
National Western Life Liberty Challenge	12 yrs	85 (NQ)	2.00%				02/21/10	Qualified 0-70: 9.00+ 71-75: 8.00+ Non-Qualified 0-70: 9.00+ 71-80: 8.00+ 81-85: 6.25+ see notes
	Fixed @ 2.85% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
OM Financial (Legacy) AmeriMark Freedom	12 yrs	85		1.00%	87.50%	$ 986	03/01/10	0-80: 9.00 81-85: 4.50
	Fixed @ 2.50% Annual Point-to-Point 3 Yr Highwater Annual Point-to-Point Monthly Cap Strategy 2-Year Monthly Average w/ Cap
OM Financial (Legacy) AmeriMark Freedom SE	12 yrs	85	4.00%	1.00%	87.50%	$1,025	03/01/10	0-80: 8.00 81-85: 4.00
	Annual Point-to-Point 3 Yr Highwater Annual Point-to-Point Monthly Cap Strategy 2-Year Monthly Average w/ Cap Fixed @ 2.00%
.5% Guaranteed Lifetime Income Rider
RBC Insurance RBC Enhanced Choice 12 SPDA	12 yrs	85	5.00%	1.00%	87.50%	$1,035	03/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Fixed Account @ 1.90% 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 Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap
Surrender Charges Last 10 Years
Up to 10% Commissions!
American National Ins. Co. Value Lock 10	10 yrs	80	3.00%	1.75%	90.00%	$1,103	03/01/10	0-75: 10.00 76-80: 8.00
	S&P 500 10 Year Point-to-Point
Allianz Life Endurance Plus	10 yrs	(NQ)		1.50%	90.00%	$1,044	03/02/10	0-75: 8.00+ 76-80: 5.00+ see notes
	Fixed Account @ 2.50% S&P 500 Point-to-Point S&P 500 Monthly Sum Blended Point-to-Point Blended Monthly Average FTSE 100 Point-to-Point FTSE 100 Monthly Sum Nasdaq 100 Point-to-Point Nasdaq 100 Monthly Sum
Allianz Life MasterDex 10	10 yrs	80	10.00%	1.50%	87.50%	$1,117	03/02/10	0-75: 9.00+ 76-85: 7.00+ see notes
	Fixed Account @ 3.00% 1-Year SP 500 Monthly Point to Point 1-Year Nasdaq-100 Monthly Point to Point
Allianz Life MasterDex 10 Plus Annuity	10 yrs	80	10.00%	1.50%	87.50%	$1,117	03/02/10	0-75: 8.00+ 76-80: 5.00+ see notes
	Fixed @ 3.00% 1 Year FTSE 100 Point-to-Point Cap 1 Year FTSE 100 Monthly Cap 1 Year Blended Point-to-Point Cap 1 Year Blended Monthly Average Spread 1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap 1 Year Nasdaq 100 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Cap
Allianz Life MasterDex 5 Plus Annuity	10 yrs	80	5.00%	2.00%	87.50%	$1,120	03/02/10	0-75: 8.00+ 76-80: 6.00+ see notes
	Fixed Interest Option @ 2.15% 1 Year S&P 500 Monthly Sum Cap 1 Year S&P 500 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Sum Cap 1 Year Nasdaq 100 Point-to-Point Cap 1 Year Blended Point-to-Point Cap 1 Year Blended Monthly Average Spread 1 Year FTSE 100 Point-to-Point Cap 1 Year FTSE 100 Monthly Sum Cap
10% Bonus and 8% Simple Income II Rider
Allianz Life MasterDex X Annuity	10 yrs	80	10.00%	1.50%	90.00%	$1,149	03/02/10	0-75: 7.00+ 76-80: 5.00+ see notes
	1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap 1 Year Fixed @ 2.15% 1 Year Nasdaq 100 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Cap 1 Year Blended Point-to-Point Cap 1 Year Blended Monthly Average Spread 1 Year Euro STOXX 50 Point-to-Point Cap 1 Year Euro STOXX 50 Monthly Cap
Amer. Equity Investment Life Ins. Co. 10/10 Gold (Index 6-05)	10 yrs	80	1.20%	3.00%	87.50%		11/04/09	0-75: 6.00+ 76-UP: 4.50+ see notes
	Fixed @ 3.10% 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point 1-Year Lehman Bros. US Aggregate Point-to-Point
Amer. Equity Investment Life Ins. Co. Advantage Gold	10 yrs	80	5.00%	3.00%	87.50%		11/04/09	see notes
	Traditional Fixed Value @ 3.00% 1 Year Lehman Brothers U.S. Aggregate Point-to-Point 1 Year S&P 500 Monthly Point-to-Point 1 Year S&P 500 Monthly Average Participation Rate 1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Point-to-Point Cap
Amer. Equity Investment Life Ins. Co. Millenium Platinum (Index-6-05)	10 yrs	(NQ)		3.00%	87.50%		11/04/09
	Fixed @ 3.10% S&P 500 Monthly Average w/ PR S&P 500 Annual Point-to-Point w/ PR S&P 500 Monthly Point-to-Point Lehman Bros. U.S. Treasury Annual Point-to-Point

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Amer. Equity Investment Life Ins. Co. Retirement Gold (RG-FIA-09)	10 yrs	(NQ)	6.00%	2.25%	87.50%		11/04/09	0-78: 5.25+ see notes
	Fixed @ 2.90% S&P 500 Monthly Average w/ Participation S&P500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P500 Point-to-Point w/ Cap S&P500 Monthly Cap
Amer. General Life Ins. Co. AG Global Bonus Index Annuity	10 yrs	80	5.00%	2.00%	100%	$1,280	03/05/10	0-75: 7.00 76-80: 4.50
	Fixed Interest Account @ 2.60% Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap Global Multiple Index Account with Cap
Amer. General Life Ins. Co. Vision Maximizer	10 yrs	75	5.00%	2.00%	90.00%	$1,152	03/05/10	0-75: 8.00+ see notes
	Monthly Average Account with Index Spread Annual Point-to-Point Account with Cap Annual Point-to-Point Account with Adjustable Participation Fixed Interest Account @ 2.65%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten -Low	10 yrs	85		1.75%	87.50%	$1,041	03/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	S&P 500 One Year Point-to-Point w/ Cap S&P 500 One Year Point-to-Point w/ Participation Guaranteed One Year @ 2.50%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten -High	10 yrs	85		1.75%	87.50%	$1,041	03/01/10	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Guaranteed One Year @ 2.85% S&P 500 One Year Point-to-Point w/ Cap S&P 500 One Year Point-to-Point w/ Participation

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten Plus -Low	10 yrs	85	6.00%	1.75%	87.50%	$1,103	03/01/10	0-75: 7.00+ 76-80: 5.25+ 81-85: 3.50+ see notes
	Guaranteed One Year @ 1.95% S&P 500 One Year Point-to-Point w/ Cap S&P 500 One Year Point-to-Point with Participation
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten Plus -High	10 yrs	85	6.00%	1.75%	87.50%	$1,103	03/01/10	0-75: 7.00+ 76-80: 5.25+ 81-85: 3.50+ see notes
	S&P 500 One Year Point-to-Point with Participation S&P 500 One Year Point-to-Point w/ Cap Guaranteed One Year @ 2.25%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE -Low	10 yrs	85		1.00%	87.50%	$ 967	03/01/10	0-70: 8.00+ 71-75: 6.00+ 76-80: 4.00+ 81-85: 4.00+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 2.75% S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE -High	10 yrs	85		1.00%	87.50%	$ 967	03/01/10	0-70: 8.00+ 71-75: 6.00+ 76-80: 4.00+ 81-85: 4.00+ see notes
	S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy Guaranteed One-Year Fixed Interest Crediting @ 3.00%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 5 -Low	10 yrs	85	5.00%	1.00%	87.50%	$1,015	03/01/10	0-70: 7.50+ 71-75: 5.63+ 76-80: 3.75+ 81-85: 2.00+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 2.30% S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 5 -High	10 yrs	85	5.00%	1.00%	87.50%	$1,015	03/01/10	0-70: 7.50+ 71-75: 5.63+ 76-80: 3.75+ 81-85: 2.00+ see notes
	S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy Guaranteed One-Year Fixed Interest Crediting @ 2.65%
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 8 -Low	10 yrs	85	8.00%	1.00%	87.50%	$1,044	03/01/10	0-70: 7.00+ 71-75: 5.25+ 76-80: 3.50+ 81-85: 1.75+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 1.95% S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® Five-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy) BenchMark 500SM Ten SE 8 -High	10 yrs	85	8.00%	1.00%	87.50%	$1,044	03/01/10	0-70: 7.00+ 71-75: 5.25+ 76-80: 3.50+ 81-85: 1.75+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 2.25% S&P 500® Two-Year Monthly Average Strategy S&P 500® Five-Year Point-to-Point Strategy S&P 500® One-Year Point-to-Point Strategy Participation Rate S&P 500® One-Year Point-to-Point Strategy Caped
American National Ins. Co. ANICO Strategy Indexed Annuity 10	10 yrs	85		1.10%	100%	$1,116	03/01/10	see notes
	Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
Annuity Investors Life (Great Amer. Life) FlexMax Plus	10 yrs	85	2.00%	2.00%	90.00%	$1,119	01/21/10	18-70: 5.90+ 71-85: 4.40+ see notes
	Declared Rate @ 2.75% 1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap
Aviva Life & Annuity MultiChoice Income Elite -Low	10 yrs	78		1.00%	100%	$1,105	03/05/10	0-75: 5.00+ 76-78: 3.00+ see notes
	Fixed Strategy @ 3.00% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Elite -High	10 yrs	78		1.00%	100%	$1,105	03/05/10	0-75: 5.00+ 76-78: 3.00+ see notes
	1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®) 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy Fixed Strategy @ 3.80% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Plus -Low	10 yrs	78	5.00%	1.00%	100%	$1,160	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Plus -High	10 yrs	78	5.00%	1.00%	100%	$1,160	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	Fixed Strategy @ 2.80% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Plus S -Low	10 yrs	78	5.00%	1.00%	100%	$1,160	03/05/10	0-75: 6.00 76-78: 4.00 see notes
	Fixed Strategy @ 2.00% 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Plus S -High	10 yrs	78	5.00%	1.00%	100%	$1,160	03/05/10	0-75: 6.00 76-78: 4.00 see notes
	1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy Fixed Strategy @ 2.35% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Ten -Low	10 yrs	78		1.00%	100%	$1,105	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	Fixed Strategy @ 2.20% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Ten -High	10 yrs	78		1.00%	100%	$1,105	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 3.00% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life & Annuity MultiChoice Income Xtra -Low	10 yrs	78	8.00%	1.00%	100%	$1,193	03/05/10	0-75: 7.00 76-78: 5.00
	1-Year Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Average Index Strategy (no spread) 1-Year Multiple Index Strategy (no spread) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Xtra -High	10 yrs	78	8.00%	1.00%	100%	$1,193	03/05/10	0-75: 7.00 76-78: 5.00
	1-Year Average Index Strategy (no spread) 1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy (no cap) 1-Year Fixed Strategy @ 2.75% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Multiple Index Strategy (no spread)
Aviva Life and Annuity Income Select 10 -Low	10 yrs	78		2.75%	87.50%	$1,148	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	Fixed @ 2.20% 1-Year S&P500 Point-to-Point 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point w/ Participation 1-Year Point-to-Point DJ EUROSTOXX 50 1-Year Point-to-Point Hang Seng
Aviva Life and Annuity Income Select 10 -High	10 yrs	78		2.75%	87.50%	$1,148	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	1-Year S&P500 Point-to-Point 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 3.00% 1-Year Point-to-Point Hang Seng 1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life and Annuity Income Select Bonus -Low	10 yrs	78	8.00%	1.00%	100%	$1,193	03/05/10	0-75: 7.00 76-78: 5.00
	Fixed Strategy @ 2.00% 1-Year Point-to-Point Index Strategy 1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Multiple Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life and Annuity Income Select Bonus -High	10 yrs	78	8.00%	1.00%	100%	$1,193	03/05/10	0-75: 7.00 76-78: 5.00
	Fixed Strategy @ 2.75% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Multiple Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life and Annuity Income Select Platinum -Low	10 yrs	78		2.75%	87.50%	$1,148	03/05/10	0-75: 5.00 76-78: 3.00
	1-Year Fixed @ 3.00% 1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy 1-Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity Income Select Platinum -High	10 yrs	78		2.75%	87.50%	$1,148	03/05/10	0-75: 5.00 76-78: 3.00
	1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy 1-Year Fixed @ 3.80% 1 - Year Point to Point Hang Seng Index 1-Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity Income Select Plus -Low	10 yrs	78	5.00%	2.75%	87.50%	$1,205	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	Fixed @ 2.00% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation 1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity Income Select Plus -High	10 yrs	78	5.00%	2.75%	87.50%	$1,205	03/05/10	0-75: 7.50 76-78: 5.50 see notes
	1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 2.80% 1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity Income Select Plus S -Low	10 yrs	78	5.00%	2.75%	87.50%	$1,205	03/05/10	0-75: 6.00 76-78: 4.00 see notes
	Fixed @ 2.00% 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation 1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity Income Select Plus S -High	10 yrs	78	5.00%	2.75%	87.50%	$1,205	03/05/10	0-75: 6.00 76-78: 4.00 see notes
	1-Year S&P 500 Point-to-Point w/ Participation 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Cap Fixed @ 2.35% 1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Dearborn National Index Fortifier X	10 yrs	85	5.00%	1.00%	100%	$1,160	03/01/10	0-74: 8.50 75-85: 6.00
	Fixed @ 2.10% Annual Point-to-Point Monthly Point-to-Point Monthly Average
EquiTrust Life Ins. Co. Market Value Index	10 yrs	80		3.00%	87.50%	$1,176	03/12/10	0-80: 7.50+ see notes
	1-Year Fixed @ 3.25% 2-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Monthly Averaging w/ Participation 1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Average
ROP Feature
Forethought Financial Guaranteed Destinations -Low	10 yrs	85	5.00%				03/12/10	0-75: 5.00 76-85: 3.50
	Fixed Account Strategy: @ 2.25% Short-Term Account Strategy @ 1.50% Monthly Point-to-Point with Cap
ROP Feature
Forethought Financial Guaranteed Destinations -Mid	10 yrs	85	5.00%				03/12/10	0-75: 5.00 76-85: 3.50
	Monthly Point-to-Point with Cap Fixed Account Strategy: @ 2.25% Short-Term Account Strategy @ 1.50%
ROP Feature
Forethought Financial Guaranteed Destinations -High	10 yrs	85	5.00%				03/12/10	0-75: 5.00 76-85: 3.50
	Fixed Account Strategy: @ 2.25% Short-Term Account Strategy @ 1.50% Monthly Point-to-Point with Cap
Forethought Financial Guaranteed Destinations WA -Low	10 yrs	85	8.00%	87.50%	1.00%	$5,800	03/12/10	0-75: 5.00 76-85: 3.00
	Short-Term Account Strategy @ 1.50% Fixed Account Strategy @ 2.25% Monthly Point-to-Point with Cap Annual Cap with Monthly Averaging
Forethought Financial Guaranteed Destinations WA -Mid	10 yrs	85	8.00%	87.50%	1.00%	$5,800	03/12/10	0-75: 5.00 76-85: 3.00
	Annual Cap with Monthly Averaging Monthly Point-to-Point with Cap Fixed Account Strategy @ 2.25% Short-Term Account Strategy @ 1.50%
Forethought Financial Guaranteed Destinations WA -High	10 yrs	85	8.00%	87.50%	1.00%	$5,800	03/12/10	0-75: 5.00 76-85: 3.00
	Short-Term Account Strategy @ 1.50% Fixed Account Strategy @ 2.25% Monthly Point-to-Point with Cap Annual Cap with Monthly Averaging
25% Lifetime Income Bonus
Forethought Financial Income 125 -Low	10 yrs	(NQ)		2.00%	87.50%	$1,067	03/12/10	0-75: 7.50+ 76-85: 5.00+ see notes
	Fixed Account Strategy @ 2.00% Monthly Point-to-Point with Cap
25% Lifetime Income Bonus
Forethought Financial Income 125 -Mid	10 yrs	(NQ)		2.00%	87.50%	$1,067	03/12/10	0-75: 7.50+ 76-85: 5.00+ see notes
	Monthly Point-to-Point with Cap Fixed Account Strategy @ 2.00%
25% Lifetime Income Bonus
Forethought Financial Income 125 -High	10 yrs	(NQ)		2.00%	87.50%	$1,067	03/12/10	0-75: 7.50+ 76-85: 5.00+ see notes
	Fixed Account Strategy @ 2.00% Monthly Point-to-Point with Cap
Forethought Financial Index Bonus 115sm -Low	10 yrs	85		1.00%	87.50%	$ 967	03/12/10
	Fixed Account Strategy @ 2.00% Monthly Point-to-Point with Cap
Forethought Financial Index Bonus 115sm -Mid	10 yrs	85		1.00%	87.50%	$ 967	03/12/10
	Monthly Point-to-Point with Cap Fixed Account Strategy @ 2.00%
Forethought Financial Index Bonus 115sm -High	10 yrs	85		1.00%	87.50%	$ 967	03/12/10
	Fixed Account Strategy @ 2.00% Monthly Point-to-Point with Cap
Great Amer. Life Ins. Co. American Icon II	10 yrs	85	1.50%	1.00-2.00%	100%	$1,237	01/21/10	Qualified 18-75: 7.50+ 76-80: 6.00+ 81-85: 2.00+ Non-Qualified 0-75: 7.50+ 76-80: 6.00+ 81-85: 2.00+ see notes
	Declared Rate Strategy @ 2.50% 1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point
Return of Premium and Bailout! NEW 10% Lifetime Income Roll-up.
Great Amer. Life Ins. Co. Safe Return	10 yrs	85		1.00-2.00%	100%	$1,219	01/21/10	0-75: 6.50+ 76-80: 5.50+ 81-85: 2.50+ see notes
	Declared Rate Strategy @ 2.75% 1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Competitive Cap or Fixed Rate
ING USA Annuity and Life ING Secure Index Opportunities Plus -Low	10 yrs	80	5.00%	2.00%	87.50%	$1,120	12/10/09	0-80: 7.00+ see notes
	Fixed Rate Strategy @ 2.40% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Competitive Cap or Fixed Rate
ING USA Annuity and Life ING Secure Index Opportunities Plus -High	10 yrs	80	5.00%	2.00%	87.50%	$1,120	12/10/09	0-80: 7.00+ see notes
	Fixed Rate Strategy @ 2.40% Monthly Cap Index Strategy Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Secure Index Outlook Annuity -Low	10 yrs	80	3.00%	2.00%	87.50%	$1,099	12/10/09	0-80: 6.00+ see notes
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Fixed Rate Strategy @ 2.40%
ING USA Annuity and Life ING Secure Index Outlook Annuity -High	10 yrs	80	3.00%	2.00%	87.50%	$1,099	12/10/09	0-80: 6.00+ see notes
	Fixed Rate Strategy @ 2.40% Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Lincoln Financial Group Lincoln OptiPoint 10 -Low	10 yrs	80	3.00%	1.80%	100%	$1,231	03/01/10	0-75: 7.00+ 76-80: 4.75+ see notes
	Fixed @ 2.55% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
Lincoln Financial Group Lincoln OptiPoint 10 -High	10 yrs	80	4.00%	1.80%	100%	$1,243	03/01/10	0-75: 7.00+ 76-80: 4.75+ see notes
	2-Year Monthly Cap 2-Year Point to Point Performance Triggered Fixed @ 2.55%

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Now Accepting Annuity Agent Contracting!
North American Company Charter 10	10 yrs	79	6.00%	1.10%	87.50%	$1,035	02/23/10	0-75: 8.50+ 76-79: 6.37+ see notes
	1-Year Fixed @ 2.35% 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Capped 1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point 1- Year Hindsight Index 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Nasdaq-100 Annual Point-to-Point 1 -Year NASDAQ Monthly Point-to-Point 1-Year Lehman Bros. US Aggregate 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice (5%) 10 -Low	10 yrs	79		1.10%	87.50%	$ 976	02/23/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Fixed @ 4.10% 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Annual Point-to-Point LB U.S. Aggregate
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice (5%) 10 -High	10 yrs	79		1.10%	87.50%	$ 976	02/23/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Fixed @ 4.50% 1-Year Annual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice 10 -Low	10 yrs	79		1.10%	87.50%	$ 976	02/23/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Fixed @ 3.75% 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point S&P 400 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point LB U.S. Aggregate
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice 10 -High	10 yrs	79		1.10%	87.50%	$ 976	02/23/10	0-75: 5.50+ 76-79: 4.13+ see notes
	1-Year Fixed @ 4.15% 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point S&P 500 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA
Now Accepting Annuity Agent Contracting!
North American Company North American Paramount Choice Ten	10 yrs	(NQ)	10.00%				02/23/10	0-75: 6.50+ 76-79: 4.88+ see notes
	Fixed @ 2.10% DJ EuroSTOXX 50 Annual Point-to-Point Dow Jones Industrial Monthly Averaging Dow Jones Industrial Annual Point-to-Point S&P 400 Annual Point-to-Point S&P 400 Monthly Averaging S&P 500 Monthly Point-to-Point S&P 500 Monthly Averaging S&P 500 Annual Point-to-Point Nasdaq 100 Annual Point-to-Point Lehman Bros. Annual Point-to-Point Russell 2000 Annual Point-to-Point Russell 2000 Monthly Averaging Nasdaq100 Monthly Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company North American Prizm Plus 10	10 yrs	79	5.00%	1.10%	87.50%	$1,025	02/23/10	0-75: 8.50+ 76-79: 6.38+ see notes
	1-Year Fixed @ 2.40% 1-Year NASDAQ-100 Monthly Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year Lehman Bros. U.S. Aggregate Point-to-Point 1-Year Russell 2000 Monthly Averaging 1-Year Russell 2000 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Dow Jones Monthly Average 1-Year Dow Jones Point-to-Point 1-Year S&P 400 Monthly Average 1-Year S&P 400 Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
Now Accepting Annuity Agent Contracting!
North American Company North American Ten	10 yrs	79	10.00%	3.00%	100%	$1,478	02/23/10	0-75: 6.50+ 76-79: 4.88+ see notes
	1-Year Fixed Account @ 2.05% 1-Year Dow Jones EuroStoxx 50 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point 1-Year Dow Jones Monthly Average 1 - Year Hindsight Index Strategy 1-Year S&P 500 Monthly Average 1-Year S&P 400 Monthly Average 1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Annual Point-to-Point 1-Year Russell 2000 Annual Point-to-Point 1-Year Russell 2000 Monthly Average 1-Year Nasdaq 100 Monthly Point-to-Point 1-Year Nasdaq 100 Annual Point-to-Point 1-Year Lehman Brother U.S. Annual Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company Pillar	10 yrs	(NQ)	5.00%				02/23/10
	Fixed @ 2.40% S&P 500 Daily Averaging w/ Participation S&P 500 Annual Point-to-Point w/Participation S&P 500 Annual Point-to-Point w/ Cap S&P 500 Monthly Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company Precision 10	10 yrs	79	6.00%	1.10%	87.50%	$1,035	02/23/10	0-75: 8.50+ 76-79: 6.38+ see notes
	Fixed @ 2.65% Nasdaq-100 Annual Point-to-Point S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point Dow Jones EuroStoxx 50 Point-to-Point 1 - Year Hindsight Index Strategy Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point Lehman Bros. US Aggregate Nasdaq - 100 Monthly Point-to-Point Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point
NEW 8% Bonus!
OM Financial Life Ins. Co. OMIndex-Accelerator 10	10 yrs	85	8.00%	1.00-1.10%	87.50%	$1,054	03/01/10	0-79: 8.00+ 80-85: 4.00+ see notes
	1-Year S&P 500 Monthly Cap 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point 2-Year S&P 500 Monthly Average with Cap Fixed Interest Option @ 2.00%
OM Financial Life Ins. Co. OMIndex-Escalator 10	10 yrs	85	1.00%	1.00%	87.50%	$ 976	03/01/10	0-79: 6.50+ 80-85: 3.25+ see notes
	Fixed Account @ 2.25% 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Annual Point-to-Point
OM Financial Life Ins. Co. OMIndex-Safety 10 -Low	10 yrs	85		3.00%	100%	$1,344	03/01/10	0-79: 7.00+ 80-85: 3.50+ see notes
	1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap 1 Year S&P 500 Monthly Average Spread Fixed Account @ 3.00%
OM Financial Life Ins. Co. OMIndex-Safety 10 -High	10 yrs	85		3.00%	100%	$1,344	03/01/10	0-79: 7.00+ 80-85: 3.50+ see notes
	Fixed Account @ 3.30% 1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap 1 Year S&P 500 Monthly Average Spread
7.5% Guaranteed Lifetime Income Rider
RBC Insurance RBC Choice 10 SPDA	10 yrs	85		1.00%	87.50%	$ 967	03/01/10	0-75: 10.00+ 76-80: 8.00+ 81-85: 6.00+ see notes
	1-Year Fixed Account @ 2.00% 1 Year S&P 500 Annual Point to Point Cap 1 Year S&P 500 Monthly Additive Point to Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Cap 1-Year DJIA Monthly Average Cap
7.5% Guaranteed Lifetime Income Rider
RBC Insurance RBC Enhanced Choice 10 SPDA	10 yrs	85	5.00%	1.00%	87.50%	$1,015	03/01/10	0-75: 7.00+ 76-79: 5.00+ 80-85: 3.00+ see notes
	Fixed Account @ 1.70% 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 Additive Point-to-Point Indexed Account 1-Year DJIA Monthly Average Indexed Account
8.50% Commission! 10% Freeout in the 1st year and Competitive Rates.
Reliance Standard Life Keystone 10 Index Annuity	10 yrs	85		2.00%	100%	$1,219	11/02/09	0-80: 8.50 81-85: 6.80
	Fixed Interest Strategy @ 3.20% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate
Surrender Charges Last 9 Years
Amer. General Life Ins. Co. AG HorizonIndex Annuity 9	9 yrs	85	4.00%	2.00%	90.00%	$1,119	03/05/10	0-75: 6.00+ 76-80: 3.50+ 81-85: 2.00+ see notes
	Fixed Interest Account @ 2.65% Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap
Amer. General Life Ins. Co. VisionAdvantage 9	9 yrs	80		2.00%	90.00%	$1,076	03/05/10	0-75: 6.00 76-80: 5.00
	Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread Fixed Interest Account @ 3.45%

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Dearborn National Index Fortifier IX	9 yrs	85		1.00%	100%	$1,094	03/01/10	0-75: 6.50 76-85: 3.75
	1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average w/Cap Fixed @ 2.75%
EquiTrust Life Ins. Co. Market Booster Index	9 yrs	80	7.00%	3.00%	87.50%	$1,222	03/12/10	0-80: 7.00+ see notes
	1-Year Interest Account @ 2.50% 1-Year S&P 500 Point-to-Point Cap Index Account 1-Year S&P 500 Daily Average Cap Index Account 1-Year S&P 500 Monthly Averaging Participation Index Account 1-Year S&P 500 Monthly Cap
Forethought Financial Forethought Destination Indexed 9 -Low	9 yrs	78		3.00%	90.00%	$1,174	03/12/10	0-75: 5.50 76-78: 3.50
	Fixed Account @ 2.50% 3-Year Monthly Point-to-Point Cap 3-Year S&P 500 Point-to-Point Cap
Forethought Financial Forethought Destination Indexed 9 -Mid	9 yrs	78		3.00%	90.00%	$1,174	03/12/10	0-75: 5.50 76-78: 3.50
	3-Year S&P 500 Point-to-Point Cap 3-Year Monthly Point-to-Point Cap Fixed Account @ 2.50%
Forethought Financial Forethought Destination Indexed 9 -High	9 yrs	78		3.00%	90.00%	$1,174	03/12/10	0-75: 5.50 76-78: 3.50
	Fixed Account @ 2.50% 3-Year Monthly Point-to-Point Cap 3-Year S&P 500 Point-to-Point Cap
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity -Low	9 yrs	80		1.00%	100%	$1,094	12/10/09	0-80: 6.50+ see notes
	Fixed Rate Strategy @ 2.70% 1-Year Point-to-Point Cap Index Strategy

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity -High	9 yrs	80		1.00%	100%	$1,094	12/10/09	0-80: 6.50+ see notes
	Fixed Rate Strategy @ 2.70% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity -Low	9 yrs	80		1.00%	100%	$1,094	12/10/09	0-80: 1.50+ see notes
	Fixed Rate Strategy @ 2.60% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity -High	9 yrs	80		1.00%	100%	$1,094	12/10/09	0-80: 1.50+ see notes
	Fixed Rate Strategy @ 2.60% 1-Year Point-to-Point Cap Index Strategy
Investors Ins. (Legacy) PremierMark Annuity	9 yrs	85		1.00%	87.50%	$ 957	03/01/10	0-75: 8.00 76-85: 4.80
	Fixed @ 1.50% 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Averaging 1-Year Nasdaq-100 Monthly Cap
Investors Ins. (Legacy) PremierMark SE	9 yrs	(NQ)		1.00%	87.50%	$ 957	03/01/10	0-80: 7.00 81-90: 3.50
	Guaranteed One-Year Strategy @ 2.25% S&P 500 Monthly Averaging Annual Reset Strategy S&P 500 Point-to-Point Annual Reset Strategy 3 Year Blended Index Gold Annual Point-to-Point
Investors Ins. (Legacy) PremierMark SE Plus (10%)	9 yrs	(NQ)	10.00%	1.00%	87.50%	$1,053	03/01/10	0-80: 2.50
	S&P 500 Monthly Average S&P 500 Annual Point-to-Point Fixed @ 1.75% 3 Year Blended Index Monthly Avg. Gold Point-to-Point

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Investors Ins. (Legacy) PremierMark SE Plus (7%)	9 yrs	(NQ)	7.00%	1.00%	87.50%	$1,024	03/01/10	0-80: 4.00
	Fixed @ 1.85% S&P 500 Monthly Average S&P 500 Annual Point-to-Point Gold Annual Point-to-Point 3 Year Blended Montly Avg
Lincoln Financial Group Lincoln OptiChoice 9 -Low	9 yrs	80		1.75%	100%	$1,169	03/01/10	0-75: 7.00+ 76-80: 5.25+ see notes
	Fixed @ 2.80% 1-Year Point-to-Point 1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group Lincoln OptiChoice 9 -High	9 yrs	80		1.75%	100%	$1,169	03/01/10	0-75: 7.00+ 76-80: 5.25+ see notes
	1-Year Monthly Average 1-Year Monthly Cap 1-Year Point-to-Point Fixed @ 3.00%
National Western Life Liberty Classic	9 yrs	85 (NQ)					02/21/10	Qualified 0-70: 8.00+ 71-75: 7.50+ Non-Qualified 0-70: 8.00+ 71-80: 7.50+ 81-85: 6.25+ see notes
	Fixed @ 2.85% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Global Lookback	9 yrs	80		2.00%	87.50%	$1,046	02/21/10	Qualified 0-70: 7.00+ 71-75: 4.50+ 76-80: 2.50+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Interest Rate @ 3.80% Option K: Global Lookback
National Western Life NWL Ultra Value	9 yrs	0 (NQ)	2.00%	2.00%	87.50%	$1,067	02/21/10	Qualified 0-70: 6.00+ 71-75: 3.50+ 76-80: 2.50+ Non-Qualified 0-75: 6.00+ 76-80: 4.00+ see notes
	Fixed @ 3.60% Option A- Annual Ratchet Option D- Monthly Sum
OM Financial Life Ins. Co. OMIndex-Spectrum 9	9 yrs	85	3.00%	1.00-1.10%	103.00%	$1,171	03/01/10	0-79: 9.00 80-85: 4.50 see notes
	1-Year S&P 500 Monthly Point-to-Point 2-Year S&P 500 Monthly Point-to-Point 3-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point Fixed Account @ 2.20%
Surrender Charges Last 8 Years
Amer. General Life Ins. Co. AG Global 8 Index Annuity	8 yrs	80		2.00%	90.00%	$1,054	03/05/10	0-75: 6.00 76-80: 4.75
	Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap Fixed Interest Account @ 2.70% Global Multiple Index Account with Cap
Lincoln Financial Group Lincoln New Directions 8 -Low	8 yrs	85		2.00%	100%	$1,172	03/01/10	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	Performance Triggered 2-Year Point to Point Fixed @ 3.20%
Lincoln Financial Group Lincoln New Directions 8 -High	8 yrs	85		2.00%	100%	$1,172	03/01/10	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	Fixed @ 3.35% Performance Triggered 2-Year Point to Point
Lincoln Financial Group Lincoln OptiPoint 8 -Low	8 yrs	85	2.00%	1.60%	100%	$1,158	03/01/10	0-75: 6.00+ 76-80: 4.00+ 81-85: 2.00+ see notes
	Fixed @ 2.55% 2-Year Monthly Cap 2-Year Point to Point Performance Triggered
Lincoln Financial Group Lincoln OptiPoint 8 -High	8 yrs	85	3.00%	1.60%	100%	$1,169	03/01/10	0-75: 6.00+ 76-80: 4.00+ 81-85: 2.00+ see notes
	Performance Triggered 2-Year Point to Point 2-Year Monthly Cap Fixed @ 2.55%
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice (5%) 8 -Low	8 yrs	85		1.10%	87.50%	$ 955	02/23/10	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	1-Year Fixed @ 4.00% 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point DJIA 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point NADAQ 100 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point LB U.S. Aggregate
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice (5%) 8 -High	8 yrs	85		1.10%	87.50%	$ 955	02/23/10	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	1-Year Fixed @ 4.35% 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 400 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point DJ EuroSTOXX 50
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice 8 -Low	8 yrs	85		1.10%	87.50%	$ 955	02/23/10	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	1-Year Fixed @ 3.65% 1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point Russell 2000 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100
Now Accepting Annuity Agent Contracting!
North American Company Freedom Choice 8 -High	8 yrs	85		1.10%	87.50%	$ 955	02/23/10	0-75: 5.50+ 76-80: 4.13+ 81-85: 2.75+ see notes
	1-Year Monthly Point-to-Point S&P 500 1-Year Anual Point-to-Point S&P 500 1-Year Fixed @ 4.05% 1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point S&P 400 1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Anual Point-to-Point DJ EuroSTOXX 50
OM Financial Life Ins. Co. OMIndex-Escalator 8	8 yrs	85	1.00%	1.00%	87.50%	$ 957	03/01/10	0-79: 5.50+ 80-85: 2.75+ see notes
	Fixed Account @ 2.25% 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Annual Point-to-Point
7.5% Guaranteed Lifetime Income Rider
RBC Insurance RBC Enhanced Choice 8 SPDA	8 yrs	85	2.00%	1.00%	87.50%	$ 966	03/01/10	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.50+ see notes
	Fixed Account @ 2.00% 1-Year S&P 500 Annual Point-to-Point Cap 1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account 1-Year DJIA Monthly Average Indexed Account
Surrender Charges Last 7 Years
American National Ins. Co. Value Lock 7	7 yrs	80		1.75%	90.00%	$1,016	03/01/10	0-75: 6.00 76-80: 4.00
	S&P 500 7 Year Point-to-Point
Allianz Life Endurance 10	7 yrs	80		1.50%	90.00%	$ 999	03/02/10	0-75: 5.00+ 76-80: 2.50+ see notes
	1 Year S&P 500 Monthly Average Spread 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point Fixed Account @ 2.50% 1 Year Nasdaq 100 Monthly Average Spread 1-Year Nasdaq 100 Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point 1-Year Blended Point-to-Point 1 Year Blended Monthly Average Spread 1-Year FTSE 100 Monthly Point-to-Point 1-Year FTSE 100 Point-to-Point 1 Year FTSE 100 Monthly Average Spread
Allianz Life MasterDex Plus Annuity	7 yrs	80		1.50%	87.50%	$ 971	03/02/10	0-75: 7.00+ 76-80: 6.00+ see notes
	1 Year S&P 500 Monthly Cap 1 Year S&P 500 Point-to-Point Cap Fixed Account @ 2.65% 1 Year FTSE 100 Point-to-Point Cap 1 Year FTSE 100 Monthly Cap 1 Year Blended Point-to-Point Cap 1 Year Blended Monthly Average Spread 1 Year Nasdaq 100 Monthly Cap 1 Year Nasdaq 100 Point-to-Point Cap
Amer. General Life Ins. Co. VisionAdvantage 7	7 yrs	85		2.00%	90.00%	$1,034	03/05/10	0-75: 6.00 76-85: 5.00
	Fixed Interest Account @ 2.90% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap Monthly Average Account with Index Spread
American National Ins. Co. ANICO Strategy Indexed Annuity 7	7 yrs	85		1.00%	90.00%	$ 965	03/01/10	see notes
	Declared Rate Interest Account @ 2.30% 1 Year S&P 500 Annual Point-to-Point
Annuity Investors Life (Great Amer. Life) FlexMax	7 yrs	85		2.00%	90.00%	$1,034	01/21/10	18-70: 5.20+ 71-85: 3.45+ see notes
	Declared Rate Strategy @ 3.00% 1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Average with Cap
Aviva Life & Annuity MultiChoice Income Seven -Low	7 yrs	81		1.00%	100%	$1,072	03/05/10	0-75: 4.00 76-80: 2.75 81-81: 2.75 see notes
	Fixed Strategy @ 2.25% 1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life & Annuity MultiChoice Income Seven -High	7 yrs	81		1.00%	100%	$1,072	03/05/10	0-75: 4.00 76-80: 2.75 81-81: 2.75 see notes
	1-Year Point-to-Point Index Strategy 1-Year Point-to-Point Participation Index Strategy 1-Year Monthly Cap Index Strategy Fixed Strategy @ 2.95% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)
Aviva Life and Annuity Income Select 7 -Low	7 yrs	81		2.75%	87.50%	$1,058	03/05/10	0-75: 4.00 76-80: 2.75 81-81: 2.75 see notes
	Fixed @ 2.25% 1 Year S&P500 Point-to-Point 1 Year S&P500 Point-to-Point w/ Participation 1-Year S&P500 Monthly Cap 1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year Hang Seng Point-to-Point
Aviva Life and Annuity Income Select 7 -High	7 yrs	81		2.75%	87.50%	$1,058	03/05/10	0-75: 4.00 76-80: 2.75 81-81: 2.75 see notes
	1-Year S&P500 Monthly Cap 1 Year S&P500 Point-to-Point w/ Participation 1 Year S&P500 Point-to-Point Fixed @ 2.95% 1-Year Hang Seng Point-to-Point 1-Year DJ EUROSTOXX 50 Point-to-Point
Dearborn National Index Fortifier VII	7 yrs	85		1.00%	100%	$1,072	03/01/10	0-75: 5.50 76-85: 3.00
	Fixed @ 2.50% 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average w/ Cap
EquiTrust Life Ins. Co. Market Seven Index	7 yrs	80		3.00%	87.50%	$1,076	03/12/10	0-80: 7.50+ see notes
	Fixed @ 2.60% 1-Year S&P 500 Point to Point 1-Year S&P 500 Daily Averaging 1-Year S&P 500 Monthly Averaging w/ Participation 1-Year S&P 500 Monthly Point to Point
Great Amer. Life Ins. Co. American Legend II	7 yrs	85		1.00-2.00%	100%	$1,149	01/21/10	Qualified 18-75: 5.50+ 76-80: 5.10+ 81-85: 3.50+ Non-Qualified 0-75: 5.50+ 76-80: 5.10+ 81-85: 3.50+ see notes
	Declared Rate Strategy @ 3.00% 1 Year S&P 500 Monthly Average with Cap 1 Year S&P 500 Annual Point-to-Point 1 Year S&P 500 Monthly Sum
ING USA Annuity and Life ING Secure Index Seven -Low	7 yrs	80		1.00%	100%	$1,072	12/10/09	0-80: 5.00+ see notes
	Fixed Rate Strategy @ 2.60% Monthly Cap Index Strategy Point-to-Point Cap Index Strategy
ING USA Annuity and Life ING Secure Index Seven -High	7 yrs	80		1.00%	100%	$1,072	12/10/09	0-80: 5.00+ see notes
	Point-to-Point Cap Index Strategy Monthly Cap Index Strategy Fixed Rate Strategy @ 2.60%
Lincoln Financial Group Lincoln OptiChoice 7 -Low	7 yrs	85		1.50%	100%	$1,110	03/01/10	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Fixed @ 2.65% 1-Year Point-to-Point 1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group Lincoln OptiChoice 7 -High	7 yrs	85		1.50%	100%	$1,110	03/01/10	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Fixed @ 2.80% 1-Year Monthly Average 1-Year Monthly Cap 1-Year Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company Charter 7	7 yrs	85		1.10%	87.50%	$ 945	02/23/10	0-75: 8.50+ 76-80: 6.37+ 81-85: 4.25+ see notes
	1-Year Fixed @ 2.00% 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Annual Daily Average 1-Year S&P 500 Annual Point-to-Point 1-Year S&P 400 Annual Daily Average 1-Year S&P 400 Annual Point-to-Point 1- Year Hindsight Index Strategy 1-Year Dow Jones EuroStoxx 50 Point-to-Point 1-Year Dow Jones Annual Daily Average 1-Year Dow Jones Annual Point-to-Point 1-Year Lehman Bros. US Aggregate 1-Year Nasdaq-100 Annual Point-to-Point 1-Year NASDAQ Monthly Point-to-Point 1-Year Russell 2000 Annual Daily Average 1-Year Russell 2000 Annual Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company North American Prizm Plus 7	7 yrs	85		1.10%	87.50%	$ 945	02/23/10	0-75: 8.50+ 76-80: 6.38+ 81-85: 4.25+ see notes
	1-Year Fixed @ 2.00% 1-Year S&P 500 Monthly Average 1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 400 Monthly Average 1-Year S&P 400 Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point 1-Year Lehman U.S. Aggregate Point-to-Point 1-Year Dow Jones Monthly Average 1-Year Dow Jones Point-to-Point 1-Year Russell 2000 Monthly Average 1-Year Russell 2000 Point-to-Point 1-Year Nasdaq 100 Point-to-Point 1-Year Nasdaq100 Monthly Point-to-Point
Now Accepting Annuity Agent Contracting!
North American Company Precision 7	7 yrs	85		1.10%	87.50%	$ 945	02/23/10	0-75: 8.50+ 76-80: 6.37+ 81-85: 4.25+ see notes
	Fixed @ 2.00% S&P 500 Monthly Point-to-Point Cap S&P 500 Annual Daily Average S&P 500 Annual Point-to-Point Russell 2000 Annual Daily Average Russell 2000 Annual Point-to-Point Lehman Bros. US Aggregate Nasdaq-100 Annual Point-to-Point Nasdaq -100 Monthly Point-to-Point Dow Jones Annual Daily Average Dow Jones Annual Point-to-Point Dow Jones EuroStoxx 50 Point-to-Point S&P 400 Annual Daily Average S&P 400 Annual Point-to-Point 1 - Year Hindsight Index Strategy
OM Financial (Legacy) AmeriMark Freedom 7	7 yrs	85		1.00%	87.50%	$ 938	03/01/10	0-80: 4.00 81-85: 2.00
	Fixed @ 2.75% 2-Year Monthly Average w/ Cap Annual Point-to-Point 3 Yr Highwater Annual Point-to-Point Monthly Cap Strategy
OM Financial (Legacy) AmeriMark Freedom 7 SE	7 yrs	0 (NQ)	5.00%	1.00%	87.50%	$ 985	03/01/10	0-80: 4.00 81-85: 2.00
	Fixed @ 2.15% Annual Point-to-Point 3 Yr Highwater Annual Point-to-Point Monthly Cap Strategy 2-Year Monthy Average w/ Cap
OM Financial Life Ins. Co. OMIndex-Accelerator 7	7 yrs	85	3.00%	1.00-1.10%	100%	$1,112	03/01/10	0-79: 5.00+ 80-85: 2.50+ see notes
	Fixed Interest Option @ 2.25% 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average 1-Year S&P 500 Annual Point-to-Point 2-Year S&P 500 Monthly Average with Cap
OM Financial Life Ins. Co. OMIndex-Safety 7 -Low	7 yrs	85		3.00%	100%	$1,230	03/01/10	0-79: 5.50 80-85: 2.75
	1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap 1 Year S&P 500 Monthly Average Spread Fixed Account @ 3.00%
OM Financial Life Ins. Co. OMIndex-Safety 7 -High	7 yrs	85		3.00%	100%	$1,230	03/01/10	0-79: 5.50 80-85: 2.75
	Fixed Account @ 3.30% 1 Year S&P 500 Monthly Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Cap 1 Year S&P 500 Monthly Average Cap 1 Year S&P 500 Monthly Average Spread
Reliance Standard Life Keystone 7 Index Annuity	7 yrs	85		2.00%	100%	$1,149	11/02/09	0-80: 5.00 81-85: 4.00
	Fixed Interest Strategy @ 3.10% 1-Year Point-to-Point - Capped 1-Year Point-to-Point - Participation Rate 1-Year Monthly Average - Capped 1-Year Monthly Average - Participation Rate
The Standard Index Growth Annuity 7 -Low	7 yrs	90		1.00%	100%	$1,072	03/15/10	0-80: 5.50 81-85: 2.75 86-90: 2.25 see notes
	Fixed @ 3.00% S&P 500 Annual Point-to-Point
The Standard Index Growth Annuity 7 -High	7 yrs	90		1.00%	100%	$1,072	03/15/10	0-80: 5.50 81-85: 2.75 86-90: 2.25 see notes
	S&P 500 Annual Point-to-Point Fixed @ 3.00%
The Standard Index Growth Annuity 7 w PG -Low	7 yrs	90		1.00%	100%	$1,072	03/15/10	0-80: 5.50 81-85: 2.75 86-UP: 2.25 see notes
	Fixed @ 3.00% S&P 500 Annual Point-to-Point
The Standard Index Growth Annuity 7 w PG -High	7 yrs	90		1.00%	100%	$1,072	03/15/10	0-80: 5.50 81-85: 2.75 86-UP: 2.25 see notes
	S&P 500 Annual Point-to-Point Fixed @ 3.00%
Surrender Charges Last 6 Years
American National Ins. Co. ANICO FEIA - ROP	6 yrs	85					03/01/10	0-79: 5.00 80-85: 3.00
	Performance Triggered

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
American National Ins. Co. ANICO FEIA wo ROP	6 yrs	85					03/01/10	0-79: 5.00 80-85: 3.00
	Performance Triggered
Amer. Equity Investment Life Ins. Co. Integrity Gold (Index 5-07)	6 yrs	80		3.00%	87.50%		11/04/09	0-75: 4.13+ 76-80: 3.09+ see notes
	Fixed @ 3.10% 1-Year Lehman U.S. Aggregate Point-to-Point 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
Amer. General Life Ins. Co. AG Global 6 Index Annuity	6 yrs	85		2.00%	90.00%	$1,014	03/05/10	0-75: 5.00 76-80: 4.50 81-85: 4.25
	Fixed Interest Account @ 2.35% Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap Global Multiple Index Account with Cap
Amer. Natl. Ins. (Legacy) BenchMark 500 Six -Low	6 yrs	85		1.75%	87.50%	$ 971	03/01/10	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Guaranteed One Year @ 1.50% S&P 500 One Year Point-to-Point w/ Cap S&P 500 Six Year Point-to-Point w/ Participation
Amer. Natl. Ins. (Legacy) BenchMark 500 Six -High	6 yrs	85		1.75%	87.50%	$ 971	03/01/10	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	S&P 500 Six Year Point-to-Point w/ Participation S&P 500 One Year Point-to-Point w/ Cap Guaranteed One Year @ 1.65%

Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Amer. Natl. Ins. (Legacy) BenchMark 500 Six Plus -Low	6 yrs	85	3.00%	1.75%	87.50%	$1,000	03/01/10	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	Guaranteed One Year @ 1.50% S&P 500 One Year Point-to-Point S&P 500 Six Year Point-to-Point w/ Participation
Amer. Natl. Ins. (Legacy) BenchMark 500 Six Plus -High	6 yrs	85	3.00%	1.75%	87.50%	$1,000	03/01/10	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	S&P 500 One Year Point-to-Point S&P 500 Six Year Point-to-Point w/ Participation Guaranteed One Year @ 1.50%
Amer. Natl. Ins. (Legacy) BenchMark 500 Six SE -Low	6 yrs	85		1.00%	87.50%	$ 929	03/01/10	0-70: 6.00+ 71-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 1.55% S&P 500® One-Year Point-to-Point Strategy Caped S&P 500® Six-Year Point-to-Point Strategy S&P 500® Two-Year Monthly Average Strategy
Amer. Natl. Ins. (Legacy) BenchMark 500 Six SE -High	6 yrs	85		1.00%	87.50%	$ 929	03/01/10	0-70: 6.00+ 71-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Guaranteed One-Year Fixed Interest Crediting @ 1.85% S&P 500® Two-Year Monthly Average Strategy S&P 500® Six-Year Point-to-Point Strategy S&P 500® One-Year Point-to-Point Strategy Caped
Amer. Natl. Ins. (Legacy) BenchMark 500 Six SE 3 -Low	6 yrs	85	3.00%	1.00%	87.50%	$ 957	03/01/10