Fixed Indexed Brief

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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	High Comm
Featured Products
Surrender Charges Last 9 Years
OM Financial Life Ins. Co.	Spectrum Choice 9 Bonus	9	3.00	1.10	103.00	$1,171	up to 9.00%

Company	Product	SC Years	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Surrender Charges Last 3 Years
ING USA Annuity and Life	ING Envoy Three Fixed Index Annuity Low-Band [MVA]	3	1.00	100.00	$1,030		up to 1.00%
ING USA Annuity and Life	ING Envoy Three Fixed Index Annuity High-Band [MVA]	3	1.00	100.00	$1,030		up to 1.00%
Forethought Financial	Forethought Destination Indexed 3 Low-Band [MVA]	3	3.00	90.00	$ 983		up to 1.00%
Forethought Financial	Forethought Destination Indexed 3 Mid-Band [MVA]	3	3.00	90.00	$ 983		up to 1.00%
Forethought Financial	Forethought Destination Indexed 3 High-Band [MVA]	3	3.00	90.00	$ 983		up to 1.00%
Surrender Charges Last 4 Years
OM Financial Life Ins. Co.	Safety Index 4 Low-Band	4	3.00	100.00	$1,126		up to 3.00%
OM Financial Life Ins. Co.	Safety Index 4 High-Band	4	3.00	100.00	$1,126		up to 3.00%
Surrender Charges Last 5 Years
Lincoln Benefit Life	Saver's Index Annuity Plus Low-Band	5	2.00	100.00	$1,104		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus High-Band	5	2.00	100.00	$1,104		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) Low-Band	5	2.00	100.00	$1,104		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) High-Band	5	2.00	100.00	$1,104		up to 4.00%
ING USA Annuity and Life	ING Secure Index Five Low-Band	5	1.50	100.00	$1,077		up to 4.00%
ING USA Annuity and Life	ING Secure Index Five High-Band	5	1.50	100.00	$1,077		up to 4.00%
Aviva Life & Annuity	MultiChoice Income Five Low-Band [MVA]	5	1.00	100.00	$1,051		up to 3.00%
Aviva Life & Annuity	MultiChoice Income Five High-Band [MVA]	5	1.00	100.00	$1,051		up to 3.00%
Sun Life Financial	MultiPoint 5	5	1.75-3.00	90.00	$1,043	06/22/09	up to 5.00%
Amer. Investors Life Ins. Co., Inc, an Aviva Co	Income Select 5 Low-Band [MVA]	5	2.75	87.50	$1,002		up to 3.00%
Amer. Investors Life Ins. Co., Inc, an Aviva Co	Income Select 5 High-Band [MVA]	5	2.75	87.50	$1,002		up to 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.

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.