Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 10 Years
Top Seller
American General Life Insurance Company AG Global Bonus Index Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA	0-75: 7.00 76-80: 4.50
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,280)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Global Multiple Index Account with Cap Blended Indicies Point to Point Annual None     3.25 Annual Point-to-Point Account with Participation Rate S&P 500 Point to Point Annual None 30   100.00 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.80
Aviva Life and Annuity Income Select 10 Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.25 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select 10 High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.40% 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     5.25 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.50 1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.50
Aviva Life and Annuity Income Select Bonus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: CA IN MS NJ SC TX VA	0-75: 7.00+ 76-78: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years:		10.1 8.5 7.3 6.6 5.9 5.1 4.3 2.7 1.8 0
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,193)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Multiple Index Strategy Blended Indicies Point to Point Annual Monthly     4.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     4.25 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select Bonus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: CA IN MS NJ SC TX VA	0-75: 7.00+ 76-78: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years:		10.1 8.5 7.3 6.6 5.9 5.1 4.3 2.7 1.8 0
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,193)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.15% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.50 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     5.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     4.75 1-Year Multiple Index Strategy Blended Indicies Point to Point Annual Monthly     4.00
ING USA Annuity and Life ING Secure Index Opportunities Plus Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA	0-80: 7.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00
ING USA Annuity and Life ING Secure Index Opportunities Plus High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA	0-80: 7.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00
RBC Insurance RBC Enhanced Choice 10 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE HI IL MN MO NJ NY OK OR PA PR TX UT VI VT	0-75: 7.00+ 76-79: 5.00+ 80-85: 3.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 10 10 10 9.5 9 8 7 6 4 2 For states WA (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.05% +1.00 Bonus 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 1.25 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 3.75 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account DJIA Point to Point Annual Quarterly Sum 100 0.00 1.75 1-Year DJIA Monthly Average Indexed Account DJIA Point to Point Annual Monthly 100 0.00 5.00
Surrender Charges Last 9 Years
American General Life Insurance Company AG HorizonIndex Annuity 9	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 70 Annuitant: 70	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NJ NY OK OR PR UT VI VT WA	0-75: 6.00+ 76-80: 3.50+ 81-85: 2.00+ see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 9 years:		10 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,119)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum 100   2.20 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None 100   8.50
American General Life Insurance Company VisionAdvantage 9	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA	0-75: 6.00 76-80: 5.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,076)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.30% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap S&P 500 Point to Point Annual None 100   5.25 Annual Point-to-Point Account with 80% Participation Rate and an Index Cap S&P 500 Point to Point Annual None 80   5.75 Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap S&P 500 Point to Point Annual None 30     Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   8.00
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-80: 6.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 9 9 9 8 7 6 5 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,094)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.80% 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None     4.00
ING USA Annuity and Life ING Envoy Nine Fixed Index Annuity High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-80: 6.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 9 9 9 8 7 6 5 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,094)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.80% 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None     5.50
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-80: 1.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 9 9 9 8 7 6 5 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,094)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None     3.00
ING USA Annuity and Life ING Envoy Six Fixed Index Annuity High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	0-80: 1.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 9 9 9 8 7 6 5 4
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,094)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% 1-Year Point-to-Point Cap Index Strategy Blended Indicies Point to Point Annual None     4.35
Lincoln Financial Group Lincoln OptiChoice 9 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 7.00+ 76-80: 5.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,169)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.90% 1-Year Point-to-Point S&P 500 Point to Point Annual None     3.40 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.10
Lincoln Financial Group Lincoln OptiChoice 9 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 7.00+ 76-80: 5.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,169)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.20 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Point-to-Point S&P 500 Point to Point Annual None     3.70 Fixed 1-Year Fixed Rate (no bonus) 2.05%
Surrender Charges Last 8 Years
American General Life Insurance Company AG Global 8 Index Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI VT	0-75: 6.00 76-80: 4.75
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,054)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Annual Point-to-Point Account with Participation Rate S&P 500 Point to Point Annual None 30   100.00 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.80 Global Multiple Index Account with Cap Blended Indicies Point to Point Annual None     3.25
Lincoln Financial Group Lincoln New Directions 8 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		9 8 7 6 4.75 3.5 2 0.75
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,172)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.35% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Point to Point S&P 500 Point to Point Biennial None     9.60
Lincoln Financial Group Lincoln New Directions 8 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 4.50+ 76-80: 3.50+ 81-85: 2.25+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		9 8 7 6 4.75 3.5 2 0.75
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,172)
	Account Name Indicie Type Reset Averaging Part Spread Cap Performance Triggered S&P 500 Perf Trig Annual None       2-Year Point to Point S&P 500 Point to Point Biennial None     10.25 Fixed 1-Year Fixed Rate (no bonus) 2.50%
RBC Insurance RBC Enhanced Choice 8 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE HI MN NJ NY OK OR PA PR UT VI	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 2.00
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (8 years): 10 9 8 7 6 5 4 2 For states CA, WA (8 years): 9 8 7 6 5 4 3 2 Withdrawal Charges 8 years: 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $966)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.05% +1.00 Bonus 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 4.50 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 2.00 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account DJIA Point to Point Annual Quarterly Sum 100 0.00 2.50 1-Year DJIA Monthly Average Indexed Account DJIA Point to Point Annual Monthly 100   5.00
Surrender Charges Last 7 Years
American General Life Insurance Company VisionAdvantage 7	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT DE MN NJ NY OR PA PR UT VI VT WA	0-75: 6.00 76-85: 5.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,034)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap S&P 500 Point to Point Annual None 100   4.25 Annual Point-to-Point Account with 80% Participation Rate and an Index Cap S&P 500 Point to Point Annual None 80   4.75 Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap S&P 500 Point to Point Annual None 30     Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   8.00
Aviva Life and Annuity Income Select 7 Low-Band	Non-Qualified Owner: 81 Annuitant: 81 Qualified Owner: 81 Annuitant: 81	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 4.00+ 76-80: 2.75+ 81-81: 2.75+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,058)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year DJ EUROSTOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     4.00 1 Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.25 1 Year S&P500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1-Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75
Aviva Life and Annuity Income Select 7 High-Band	Non-Qualified Owner: 81 Annuitant: 81 Qualified Owner: 81 Annuitant: 81	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 4.00+ 76-80: 2.75+ 81-81: 2.75+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,058)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.40% 1-Year S&P500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1 Year S&P500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1 Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     5.25 1-Year Hang Seng Point-to-Point Hang Seng Point to Point Annual None     4.50 1-Year DJ EUROSTOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.50
ING USA Annuity and Life ING Secure Index Seven Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI	0-80: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 10 10 10 10 9 8 7 For states CT (7 years): 10 9 8 7 6 5 4 Ages 0 to 55 in states WA (7 years): 12 11 10 10 9 8 7 Age 56+ in states WA (7 years): 8 7 6.5 5.5 4.5 3.5 2.5 Ages 0 to 55 (7 years): 10 10 10 10 9 8 7 Age 56+ in states AK, DE, NJ, PA, UT (7 years): 9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,072)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.80% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.85 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00
ING USA Annuity and Life ING Secure Index Seven High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI	0-80: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 10 10 10 10 9 8 7 For states CT (7 years): 10 9 8 7 6 5 4 Ages 0 to 55 in states WA (7 years): 12 11 10 10 9 8 7 Age 56+ in states WA (7 years): 8 7 6.5 5.5 4.5 3.5 2.5 Ages 0 to 55 (7 years): 10 10 10 10 9 8 7 Age 56+ in states AK, DE, NJ, PA, UT (7 years): 9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,072)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.30 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.80%
Lincoln Financial Group Lincoln OptiChoice 7 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.70% 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.95 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Point-to-Point S&P 500 Point to Point Annual None     3.00
Lincoln Financial Group Lincoln OptiChoice 7 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.85% 1-Year Point-to-Point S&P 500 Point to Point Annual None     3.30 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00   1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.05
Surrender Charges Last 6 Years
Lincoln Financial Group Lincoln New Directions 6 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		9 8 7 6 4.75 3.5
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Point to Point S&P 500 Point to Point Biennial None     8.45
Lincoln Financial Group Lincoln New Directions 6 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 3.50+ 76-80: 2.75+ 81-85: 1.75+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 6 years:		9 8 7 6 4.75 3.5
	Guaranteed Minimum Value:		100% of Premium at 1.75%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Performance Triggered S&P 500 Perf Trig Annual None       2-Year Point to Point S&P 500 Point to Point Biennial None     9.10 Fixed 1-Year Fixed Rate (no bonus) 2.25%
Surrender Charges Last 5 Years
Lincoln Financial Group Lincoln OptiChoice 5 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		9 8 7 6 5
	Guaranteed Minimum Value:		100% of Premium at 1.25%  (GMR/1000 $1,064)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.50% 1-Year Point-to-Point S&P 500 Point to Point Annual None     2.65 1-Year Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year Monthly Average S&P 500 Point to Point Annual Monthly   9.00

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