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SPIA Products

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10371 North Oracle Road
Suite 102
Oro Valley, AZ 85737

State

Premium

Qual

Rating

Company

Age

Comm
%

Company / Product Name	AM Best	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Allianz Life Insurance Company of North America Single Premium Immediate Elite Annuity	A	99	99	25,000	25,000	0-99: 3.00 see notes
American Equity Investment Life Insurance Company SPIA-1	A-	90	90	10,000	10,000	0-90: 4.00
American General Life Insurance Company AG Platinum Income	A	0	0	10,000	10,000	0-90: 3.00
American National Insurance Company Palladium (SPIA)	A	90	90	15,000	3,500	see notes
EquiTrust Life Insurance Company Confidence Income	B+	90	90	30,000	30,000	0-90: 3.00 see notes
Fidelity & Guaranty Life FG Immediate-Income	B++	100	100	10,000	10,000	0-90: 2.00 see notes
Genworth Life Insurance Company SecureLiving® Income Provider	A	95	95	5,000	5,000	0-95: 3.00
ING Annuity and Asset Sales ING SPIA	A	80	80	15,000	15,000	0-95: 3.00
Lincoln Benefit Life IncomeReady^SMSPIA	A+	90	90	5,000	5,000	see notes
Lincoln Financial Group Lincoln SmartIncome Inflation Annuity	A+	85	85	50,000	50,000	0-75: 4.00 76-80: 3.00 81-85: 2.00 see notes
National Western Life SPIA	A	0	0	5,000	5,000	Call
North American Company NA Income	A+	85	85	10,000	2,000	0-85: 2.00 see notes
Protective Life Corporation ProPayer Income Annuity	A+	99	99	10,000	10,000	0-UP: 3.00
Sagicor Life Insurance Company Gold Series SPIA	A-	85		5,000	5,000	Call
The Standard Tailored Income Annuity	A	90	90	15,000	15,000	0-UP: 3.00

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

For use by licensed insurance agents/brokers only - not authorized for use by the public.