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Fixed Indexed Annuities
Company / Product / Account Index Product Type Surender
Charges
Premium
Bonus
Last
Change
Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
Surrender Charges Last 9 Years
OM Financial Life Insurance Company
OM Index-Spectrum 9
Fixed Account
Fixed 9
Years
3.00 09/01/10 1.50% 1-Yr Fixed 0-79: 9.00
80-85: 4.50
Min Rates: 1.00-1.10
OM Financial Life Insurance Company
OM Index-Spectrum 9
1-Year S&P 500 Monthly Point-to-Point
S&P 500 Point to Point 9
Years
3.00 09/01/10     1.10 0-79: 9.00
80-85: 4.50
Annual Monthly Sum Min Rates: 100   1.00
OM Financial Life Insurance Company
OM Index-Spectrum 9
2-Year S&P 500 Monthly Point-to-Point
S&P 500 Point to Point 9
Years
3.00 09/01/10     1.50 0-79: 9.00
80-85: 4.50
Biennial Monthly Sum Min Rates: 100   1.00
OM Financial Life Insurance Company
OM Index-Spectrum 9
3-Year S&P 500 Monthly Point-to-Point
S&P 500 Point to Point 9
Years
3.00 09/01/10     2.00 0-79: 9.00
80-85: 4.50
Triennial Monthly Sum Min Rates: 100   1.00
OM Financial Life Insurance Company
OM Index-Spectrum 9
1-Year S&P 500 Monthly Average
S&P 500 Point to Point 9
Years
3.00 09/01/10     3.25 0-79: 9.00
80-85: 4.50
Annual Monthly Min Rates:     3.00
OM Financial Life Insurance Company
OM Index-Spectrum 9
1-Year S&P 500 Annual Point-to-Point
S&P 500 Point to Point 9
Years
3.00 09/01/10     3.00 0-79: 9.00
80-85: 4.50
Annual None Min Rates: 100   3.00
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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.

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

"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.

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