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Fixed Indexed Annuities

RESOURCES FOR IMS AGENTS ONLY

Product Detail

Package your Forms Collection

State

Premium Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company / Product

SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Featured Products

Surrender Charges Last 12 Years

OM Financial Life Ins. Co.
Loyalty Rewards Escalator 12

12 yrs

1.00%

87.50%

$ 996

11/01/08

0-79: 7.50
80-85: 3.75

1-Year S&P 500 Annual Point-to-Point	Fixed @ 3.75%
1-Year S&P 500 Monthly Averaging

Company / Product

SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 16 Years

Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)

16 yrs

10.00%

06/02/08

Qualified

0-75: 8.00
76-80: 6.75

Non-Qualified

0-75: 8.00
76-80: 6.75
81-85: 4.50

1-Year Lehman U.S. Aggregate Point-to-Point	1-Year Dow Jones Monthly Average Cap
1-Year Dow Jones Point-to-Point Cap	1-Year S&P 500 Point-to-Point PR
Fixed Value @ 3.25%	1-Year S&P 500 Monthly Average Cap
1-Year S&P 500 Point-to-Point Cap	1-Year S&P 500 Monthly Average PR
1-Year S&P 500 Monthly Point-to-Point

Conseco Annuity
Conseco Command 16

16 yrs

3.00%

10/01/08

0-70: 10.25
71-75: 6.75

Fixed 1-Year @ 3.80%	S&P 500 1 Year Monthly Point-to-Point
S&P 500 4 Year Point-to-Point	S&P 500 2 Year Monthly Average
S&P 500 1 Year Monthly Average EDB	S&P 500 4 Year Point-to-Point EDB
S&P 500 1 Year Monthly Point-to-Point EDB	Fixed 1-Year EDB @ 3.65%
S&P 500 2 Year Monthly Average EDB	S&P 500 1 Year Monthly Average

Surrender Charges Last 15 Years

Life of the Southwest
SecurePlus Accumulator 5

15 yrs

5.00%

2.45%

87.50%

$1,321

09/07/08

0-70: 7.00
71-75: 6.00
76-80: 4.00

Declared Interest Account @ 4.60%	Average Index Account
Ending Index Account

Life of the Southwest
SecurePlus Platinum

15 yrs

2.45%

87.50%

$1,258

09/07/08

0-70: 10.00
71-75: 9.00
76-80: 8.00

Declared Interest Account @ 4.75%	Ending Index Account
Average Index Account

National Western Life
Liberty Champion

15 yrs

85 (NQ)

5.00%

11/20/08

Qualified

0-70: 6.00
71-80: 4.00
81-85: 2.00

Non-Qualified

0-70: 9.25
71-80: 7.75
81-85: 5.50

Option A: Annual Reset with Monthly Averaging	Option D: Annual Reset with Monthly Cap
Fixed @ 3.25%

National Western Life
NWL Ultra Future

15 yrs

10.00%

3.00%

87.50%

$1,500

11/20/08

Qualified

0-70: 8.00
71-75: 4.50
76-80: 2.00

Non-Qualified

0-75: 8.00
76-80: 6.00
81-85: 4.50

Option B: Fixed Account @ 3.85%	Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset

Surrender Charges Last 14 Years

National Western Life
NWL Ultra Benefit

14 yrs

5.00%

3.00%

87.50%

$1,390

11/20/08

Qualified

0-70: 8.00
71-75: 5.50
76-80: 3.50

Non-Qualified

0-75: 8.00
76-80: 6.00
81-85: 2.00

Fixed @ 2.85%	Option D: Monthly Cap Annual Reset
Option A: Monthly Average Annual Reset

North American Company
Charter 14

14 yrs

11.00%

2.00%

100%

$1,465

10/10/08

0-75: 8.50

1-Year NASDAQ-100 Monthly Point-to-Point	1-Year S&P 500 Annual Daily Average
1-Year S&P 400 Annual Daily Average	1-Year Russell 2000 Annual Daily Average
1-Year Hindsight Index Strategy	1-Year Lehman Bros. US Aggregate
1-Year Nasdaq-100 Annual Point-to-Point	1-Year Dow Jones Annual Daily Average
1-Year S&P 400 Annual Point-to-Point	1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point	1-Year Dow Jones Annual Point-to-Point
1-Year Russell 2000 Annual Point-to-Point	1-Year Fixed @ 3.00%
1-Year Dow Jones EuroStoxx 50 Point-to-Point

North American Company
Freedom Choice 14 -Low

14 yrs

3.00%

87.50%

$1,324

10/10/08

0-75: 5.50

1-Year Anual Point-to-Point NADAQ 100	1-Year Anual Point-to-Point LB U.S. Aggregate
1-Year Anual Point-to-Point DJIA	1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point Russell 2000	1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point S&P 500	1-Year Fixed @ 4.60%
1-Year Anual Point-to-Point S&P 400	1-Year Monthly Point-to-Point NASDAQ 100

North American Company
Freedom Choice 14 -High

14 yrs

3.00%

87.50%

$1,324

10/10/08

0-75: 5.50

1-Year Anual Point-to-Point DJ EuroSTOXX 50	1-Year Anual Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 400	1-Year Fixed @ 5.00%
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 Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point DJIA	1-Year Anual Point-to-Point Russell 2000

North American Company
North American Classic Plus

14 yrs

10.00%

3.00%

87.50%

$1,456

10/10/08

0-75: 7.00

1-Year Russell 2000 Point-to-Point	1-Year DJIA Daily Average
1-Year Russell 2000 Daily Average	1-Year DJIA Point-to-Point
1-Year S&P 500 Daily Average	1-Year S&P 400 Point-to-Point
1-Year S&P 400 Daily Average	1-Year S&P 500 Monthly Point-to-Point
1-Year NASDAQ 100 Monthly Point-to-Point	1-Year Fixed @ 3.60%
1-Year S&P 500 Point-to-Point	1-Year NASDAQ-100 Point-to-Point

North American Company
North American Prizm 14

14 yrs

2.00%

100%

$1,319

10/10/08

0-75: 8.50

1-Year S&P 400 Monthly Average	1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point	1-Year Russell 2000 Monthly Averaging
1-Year Nasdaq 100 Point-to-Point	1-Year Nasdaq 100 Monthly Point-to-Point
1-Year Lehman Bros. U.S. Aggregate Point-to-Point	1-Year Dow Jones Point-to-Point
1-Year S&P 400 Point-to-Point	1-Year Fixed @ 4.15%
1-Year Russell 2000 Point-to-Point	1-Year S&P 500 Monthly Average
1-Year Dow Jones Monthly Average	1-Year DJ EuroStoxx 50 Point-to-Point

North American Company
North American Prizm Plus 14

14 yrs

10.00%

2.00%

100%

$1,451

10/10/08

0-75: 8.50

1-Year Russell 2000 Point-to-Point	1-Year S&P 500 Monthly Average
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 DJIA Monthly Average
1-Year Fixed @ 3.25%	1-Year S&P 400 Monthly Average
1-Year Russell 2000 Monthly Averaging	1-Year S&P 500 Point-to-Point
1-Year DJIA Point-to-Point	1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 400 Point-to-Point	1-Year S&P 500 Monthly Point-to-Point

North American Company
Precision 14

14 yrs

10.00%

2.00%

100%

$1,451

10/10/08

0-75: 8.50

Dow Jones EuroStoxx 50 Point-to-Point	Dow Jones Annual Daily Average
S&P 400 Annual Daily Average	Nasdaq -100 Monthly Point-to-Point
Russell 2000 Annual Daily Average	S&P 500 Monthly Point-to-Point Cap
Lehman Bros. US Aggregate	S&P 500 Annual Point-to-Point
1 - Year Hindsight Index Strategy	Nasdaq-100 Annual Point-to-Point
Dow Jones Annual Point-to-Point	Fixed @ 3.00%
S&P 400 Annual Point-to-Point	S&P 500 Annual Daily Average
Russell 2000 Annual Point-to-Point

OM Financial Life Ins. Co.
OM Accelerator Bonus 14

14 yrs

10.00%

1.10%

87.50%

$1,122

11/01/08

0-79: 8.50
80-85: 4.25

1-Year S&P 500 Point-to-Point	1-Year S&P 500 Monthly Cap
2-Year S&P 500 Monthly Averaging with Cap	1-Year S&P 500 Point-to-Point with Participation Rate
1-Year S&P 500 Monthly Averaging with Cap	Fixed Interest Option @ 3.25%

OM Financial Life Ins. Co.
Spectrum Choice Bonus

14 yrs

6.00%

1.00%

87.50%

$1,066

11/01/08

0-79: 10.00
80-85: 5.00

1-Year S&P 500 Monthly Averaging Cap	2-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Point-to-Point	3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Annual Point-to-Point	Fixed @ 3.20%

Surrender Charges Last 9 Years

OM Financial Life Ins. Co.
Spectrum Choice 9 Bonus

9 yrs

3.00%

1.10%

103.00%

$1,171

11/01/08

0-79: 9.00
80-85: 4.50

1-Year S&P 500 Monthly Point-to-Point	3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point	2-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Average	Fixed @ 3.70%

Surrender Charges Last 7 Years

OM Financial Life Ins. Co.
Spectrum Rewards Choice 7

7 yrs

1.00%

100%

$1,072

11/01/08

18-79: 7.00
80-85: 3.50

Fixed @ 3.85%	1 Year S&P 500 Monthly Point to Point
1-Year S&P 500 Annual Point-to-Point	1-Year S&P 500 Monthly Averaging Cap

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

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