Fixed Indexed Brief

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Company - Any - Allianz Life Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Americo Annuity Investors Life (Great Amer. Life) Dearborn National EquiTrust Life Ins. Co. Forethought Financial Genworth Life Ins. Co. Great Amer. Life Ins. Co. ING USA Annuity and Life Integrity Life Insurance Investors Ins. (Legacy) Life of the Southwest Lincoln Benefit Life Lincoln Financial Group North American Company OM Financial Life Ins. Co. Presidential Life Principal Financial Group Protective Life Corporation RBC Insurance Sun Life Financial Symetra Life Insurance Co. The Standard Transamerica Life United of Omaha Western National Life Ins. Co.

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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Surrender Charges Last 3 Years
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 5 Years
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) Low-Band	5		1.50	100.00	$1,077		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus (ROP) High-Band	5		1.50	100.00	$1,077		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%
Lincoln Benefit Life	Saver's Index Annuity Plus Low-Band	5		1.50	100.00	$1,077		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus High-Band	5		1.50	100.00	$1,077		up to 4.00%
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	100.00	$1,064		up to 5.00%
The Standard	Index Growth Annuity 5 Low-Band	5		1.00	100.00	$1,051		up to 4.50%
The Standard	Index Growth Annuity 5 High-Band	5		1.00	100.00	$1,051		up to 4.50%
The Standard	Index Growth Annuity 5 w PG Low-Band	5		1.00	100.00	$1,051		up to 4.50%
The Standard	Index Growth Annuity 5 w PG High-Band	5		1.00	100.00	$1,051		up to 4.50%
Amer. General Life Ins. Co.	VisionAdvantage 5 [MVA]	5		2.00	90.00	$ 994		up to 5.00%
Life of the Southwest	SecurePlus Saver [TSA, LOAN]	5		1.95	90.00	$ 991		up to 4.00%
Allianz Life	Endurance Elite	5		1.00	87.50	$ 920		up to 5.00%
Allianz Life	Allianz Pro V1 [LOAN]	5						up to 3.25%
North American Company	North American Formula Choice [TSA, MVA, LOAN]	5						up to 5.00%
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.75	100.00	$1,110		up to 3.50%
Forethought Financial	Forethought Destination Indexed 6 Low-Band [MVA]	6		3.00	90.00	$1,075		up to 3.50%
Forethought Financial	Forethought Destination Indexed 6 Mid-Band [MVA]	6		3.00	90.00	$1,075		up to 3.50%
Forethought Financial	Forethought Destination Indexed 6 High-Band [MVA]	6		3.00	90.00	$1,075		up to 3.50%
Amer. General Life Ins. Co.	AG Global 6 Index Annuity	6		2.00	90.00	$1,014		up to 5.00%
OM Financial Life Ins. Co.	OMIndex-Escalator 6	6	1.00	1.00	87.50	$ 938		up to 4.00%
North American Company	Freedom Choice 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 Low-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
North American Company	Freedom Choice (5%) 6 High-Band [TSA, MVA, LOAN]	6		1.10	87.50	$ 934		up to 5.50%
Amer. Equity Investment Life Ins. Co.	Integrity Gold (Index 5-07)	6		3.00	87.50			up to 4.13%
Great Amer. Life Ins. Co.	Safe Outlook Low-Band [LOAN]	6						up to 4.00%
Great Amer. Life Ins. Co.	Safe Outlook High-Band [LOAN]	6						up to 4.00%
American National Ins. Co.	ANICO FEIA - ROP	6					03/01/10	up to 5.00%
American National Ins. Co.	ANICO FEIA wo ROP	6					03/01/10	up to 5.00%
Surrender Charges Last 7 Years
OM Financial Life Ins. Co.	OMIndex-Safety 7 Low-Band	7		3.00	100.00	$1,230		up to 5.50%
OM Financial Life Ins. Co.	OMIndex-Safety 7 High-Band	7		3.00	100.00	$1,230		up to 5.50%
Great Amer. Life Ins. Co.	American Legend II [LOAN]	7		1.00-2.00	100.00	$1,149		up to 5.50%
OM Financial Life Ins. Co.	OMIndex-Accelerator 7	7	3.00	1.00-1.10	100.00	$1,112		up to 5.00%
Americo	Ultimate One Index 7	7		1.50	100.00	$1,110		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.50	100.00	$1,110		up to 6.00%
Lincoln Benefit Life	Savers Index I Low-Band	7		3.00	90.00	$1,107		up to 5.00%
Lincoln Benefit Life	Savers Index I High-Band	7		3.00	90.00	$1,107		up to 5.00%
Lincoln Benefit Life	Savers Index I (ROP) Low-Band	7		3.00	90.00	$1,107		up to 5.00%
Lincoln Benefit Life	Savers Index I (ROP) High-Band	7		3.00	90.00	$1,107		up to 5.00%
EquiTrust Life Ins. Co.	Market Seven Index [MVA]	7		3.00	87.50	$1,076		up to 7.50%
The Standard	Index Growth Annuity 7 Low-Band	7		1.00	100.00	$1,072		up to 5.50%
The Standard	Index Growth Annuity 7 High-Band	7		1.00	100.00	$1,072		up to 5.50%
Dearborn National	Index Fortifier VII	7		1.00	100.00	$1,072		up to 5.50%
ING USA Annuity and Life	ING Secure Index Seven Low-Band	7		1.00	100.00	$1,072		up to 5.00%
ING USA Annuity and Life	ING Secure Index Seven High-Band	7		1.00	100.00	$1,072		up to 5.00%
The Standard	Index Growth Annuity 7 w PG Low-Band	7		1.00	100.00	$1,072		up to 5.50%
The Standard	Index Growth Annuity 7 w PG High-Band	7		1.00	100.00	$1,072		up to 5.50%
Annuity Investors Life (Great Amer. Life)	FlexMax [TSA, LOAN]	7		2.00	90.00	$1,034		up to 5.20%
Amer. General Life Ins. Co.	VisionAdvantage 7 [MVA]	7		2.00	90.00	$1,034		up to 6.00%
Life of the Southwest	SecurePlus Silver [TSA, LOAN]	7		1.95	90.00	$1,030		up to 5.00%
American National Ins. Co.	Value Lock 7 [MVA]	7		1.75	90.00	$1,016	03/01/10	up to 6.00%
Allianz Life	Endurance 10 [LOAN]	7		1.50	90.00	$ 999		up to 5.00%
Allianz Life	MasterDex Plus Annuity [MVA, LOAN]	7		1.50	87.50	$ 971		up to 7.00%
American National Ins. Co.	ANICO Strategy Indexed Annuity 7	7		1.00	90.00	$ 965
North American Company	Charter 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 8.50%
North American Company	Precision 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 8.50%
North American Company	North American Prizm Plus 7 [TSA, MVA, LOAN]	7		1.10	87.50	$ 945		up to 8.50%
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln New Directions 8 Low-Band [MVA]	8		2.00	100.00	$1,172		up to 4.50%
Lincoln Financial Group	Lincoln New Directions 8 High-Band [MVA]	8		2.00	100.00	$1,172		up to 4.50%
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	3.00	1.60	100.00	$1,169		up to 6.00%
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	2.00	1.60	100.00	$1,158		up to 6.00%
Amer. General Life Ins. Co.	AG Global 8 Index Annuity	8		2.00	90.00	$1,054		up to 6.00%
Life of the Southwest	SecurePlus Saver Select [TSA, LOAN]	8		1.95	90.00	$1,050		up to 6.00%
RBC Insurance	RBC Enhanced Choice 8 SPDA [MVA]	8	2.00	1.00	87.50	$ 966		up to 6.00%
OM Financial Life Ins. Co.	OMIndex-Escalator 8	8	1.00	1.00	87.50	$ 957		up to 5.50%
North American Company	Freedom Choice 8 Low-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
North American Company	Freedom Choice 8 High-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
North American Company	Freedom Choice (5%) 8 Low-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
North American Company	Freedom Choice (5%) 8 High-Band [TSA, MVA, LOAN]	8		1.10	87.50	$ 955		up to 5.50%
Surrender Charges Last 9 Years
Americo	Ultimate One Index 9 Bonus [LOAN]	9	4.00	2.00	100.00	$1,243
EquiTrust Life Ins. Co.	Market Booster Index [MVA]	9	7.00	3.00	87.50	$1,222		up to 7.00%
Americo	Ultimate One Index 9	9		2.00	100.00	$1,195		up to 9.00%
Forethought Financial	Forethought Destination Indexed 9 Low-Band [MVA]	9		3.00	90.00	$1,174		up to 5.50%
Forethought Financial	Forethought Destination Indexed 9 Mid-Band [MVA]	9		3.00	90.00	$1,174		up to 5.50%
Forethought Financial	Forethought Destination Indexed 9 High-Band [MVA]	9		3.00	90.00	$1,174		up to 5.50%
OM Financial Life Ins. Co.	OMIndex-Spectrum 9	9	3.00	1.00-1.10	103.00	$1,171		up to 9.00%
Lincoln Financial Group	Lincoln OptiChoice 9 Low-Band [MVA]	9		1.75	100.00	$1,169		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 9 High-Band [MVA]	9		1.75	100.00	$1,169		up to 7.00%
Amer. General Life Ins. Co.	AG HorizonIndex Annuity 9 [MVA]	9	4.00	2.00	90.00	$1,119		up to 6.00%
Life of the Southwest	SecurePlus Premier 3 [TSA, LOAN]	9	3.00	1.95	90.00	$1,103		up to 6.00%
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity Low-Band [MVA]	9		1.00	100.00	$1,094		up to 1.50%
ING USA Annuity and Life	ING Envoy Six Fixed Index Annuity High-Band [MVA]	9		1.00	100.00	$1,094		up to 1.50%
ING USA Annuity and Life	ING Envoy Nine Fixed Index Annuity Low-Band [MVA]	9		1.00	100.00	$1,094		up to 6.50%
ING USA Annuity and Life	ING Envoy Nine Fixed Index Annuity High-Band [MVA]	9		1.00	100.00	$1,094		up to 6.50%
Dearborn National	Index Fortifier IX	9		1.00	100.00	$1,094		up to 6.50%
Amer. General Life Ins. Co.	VisionAdvantage 9 [MVA]	9		2.00	90.00	$1,076		up to 6.00%
Investors Ins. (Legacy)	PremierMark SE Plus (10%)	9	10.00	1.00	87.50	$1,053		up to 2.50%
Investors Ins. (Legacy)	PremierMark SE Plus (7%)	9	7.00	1.00	87.50	$1,024		up to 4.00%
Investors Ins. (Legacy)	PremierMark SE	9		1.00	87.50	$ 957		up to 7.00%
Investors Ins. (Legacy)	PremierMark Annuity [MVA, LOAN]	9		1.00	87.50	$ 957		up to 8.00%
Surrender Charges Last 10 Years
Forethought Financial	Guaranteed Destinations WA Low-Band	10	8.00	87.50	1.00	$5,800		up to 5.00%
Forethought Financial	Guaranteed Destinations WA Mid-Band	10	8.00	87.50	1.00	$5,800		up to 5.00%
Forethought Financial	Guaranteed Destinations WA High-Band	10	8.00	87.50	1.00	$5,800		up to 5.00%
North American Company	North American Ten [MVA, LOAN]	10	10.00	3.00	100.00	$1,478		up to 6.50%
OM Financial Life Ins. Co.	OMIndex-Safety 10 Low-Band	10		3.00	100.00	$1,344		up to 7.00%
OM Financial Life Ins. Co.	OMIndex-Safety 10 High-Band	10		3.00	100.00	$1,344		up to 7.00%
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity [MVA]	10	5.00	2.00	100.00	$1,280		up to 7.00%
Americo	Future Provider Bonus	10	4.00	2.00	100.00	$1,268		up to 6.25%
Americo	Elite Provider [LOAN]	10		2.30	100.00	$1,255
Lincoln Financial Group	Lincoln OptiPoint 10 High-Band [MVA]	10	4.00	1.80	100.00	$1,243		up to 7.00%
Great Amer. Life Ins. Co.	American Icon II	10	0.00-1.50	1.00-2.00	100.00	$1,237		up to 7.50%
Lincoln Financial Group	Lincoln OptiPoint 10 Low-Band [MVA]	10	3.00	1.80	100.00	$1,231		up to 7.00%
Americo	Future Provider	10		2.00	100.00	$1,219		up to 8.25%
Great Amer. Life Ins. Co.	Safe Return [TSA, LOAN]	10		1.00-2.00	100.00	$1,219		up to 6.50%
Lincoln Benefit Life	Savers Index III (ROP) Low-Band	10		3.00	90.00	$1,210		up to 8.00%
Lincoln Benefit Life	Savers Index III (ROP) High-Band	10		3.00	90.00	$1,210		up to 8.00%
Lincoln Benefit Life	Savers Index III Low-Band	10		3.00	90.00	$1,210		up to 8.00%
Lincoln Benefit Life	Savers Index III High-Band	10		3.00	90.00	$1,210		up to 8.00%
Lincoln Benefit Life	Saver's Index Annuity Premier Low-Band	10	3.00	1.50	100.00	$1,195		up to 7.25%
Lincoln Benefit Life	Saver's Index Annuity Premier High-Band	10	3.00	1.50	100.00	$1,195		up to 7.25%
EquiTrust Life Ins. Co.	Market Value Index [MVA]	10		3.00	87.50	$1,176		up to 7.50%
Dearborn National	Index Fortifier X	10	5.00	1.00	100.00	$1,160		up to 8.50%
Amer. General Life Ins. Co.	Vision Maximizer [MVA]	10	5.00	2.00	90.00	$1,152		up to 8.00%
Allianz Life	MasterDex X Annuity [LOAN]	10	10.00	1.50	90.00	$1,149		up to 7.00%
Life of the Southwest	SecurePlus Accumulator 3 [TSA, LOAN]	10	3.00	2.45	87.50	$1,148		up to 5.00%
ING USA Annuity and Life	ING Secure Index Opportunities Plus Low-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
ING USA Annuity and Life	ING Secure Index Opportunities Plus High-Band [MVA]	10	5.00	2.00	87.50	$1,120		up to 7.00%
Allianz Life	MasterDex 5 Plus Annuity [MVA, LOAN]	10	3.00-5.00	2.00	87.50	$1,120		up to 8.00%
Annuity Investors Life (Great Amer. Life)	FlexMax Plus [TSA, LOAN]	10	2.00	2.00	90.00	$1,119		up to 5.90%
Allianz Life	MasterDex 10 Plus Annuity [MVA, LOAN]	10	10.00	1.50	87.50	$1,117		up to 8.00%
Allianz Life	MasterDex 10 [LOAN]	10	10.00	1.50	87.50	$1,117		up to 9.00%
American National Ins. Co.	ANICO Strategy Indexed Annuity 10	10		1.10	100.00	$1,116
American National Ins. Co.	Value Lock 10 [MVA]	10	3.00	1.75	90.00	$1,103	03/01/10	up to 10.00%
ING USA Annuity and Life	ING Secure Index Outlook Annuity Low-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
ING USA Annuity and Life	ING Secure Index Outlook Annuity High-Band	10	3.00	2.00	87.50	$1,099		up to 6.00%
Life of the Southwest	SecurePlus TLC [LOAN]	10		1.95	90.00	$1,092		up to 8.00%
Life of the Southwest	SecurePlus Gold (After 4/21/2006) [TSA, LOAN]	10		1.95	90.00	$1,092		up to 7.00%
Forethought Financial	Income 125 Low-Band	10		2.00	87.50	$1,067		up to 7.50%
Forethought Financial	Income 125 Mid-Band	10		2.00	87.50	$1,067		up to 7.50%
Forethought Financial	Income 125 High-Band	10		2.00	87.50	$1,067		up to 7.50%
Life of the Southwest	SecurePlus Premier 10 [LOAN]	10		1.95	87.50	$1,061
OM Financial Life Ins. Co.	OMIndex-Accelerator 10	10	8.00	1.00-1.10	87.50	$1,054		up to 8.00%
Allianz Life	Endurance Plus [LOAN]	10		1.50	90.00	$1,044		up to 8.00%
North American Company	Precision 10 [TSA, MVA, LOAN]	10	6.00	1.10	87.50	$1,035		up to 8.50%
North American Company	Charter 10 [TSA, MVA, LOAN]	10	6.00	1.10	87.50	$1,035		up to 8.50%
North American Company	North American Prizm Plus 10 [TSA, MVA, LOAN]	10	5.00	1.10	87.50	$1,025		up to 8.50%
RBC Insurance	RBC Enhanced Choice 10 SPDA [MVA]	10	5.00	1.00	87.50	$1,015		up to 7.00%
OM Financial Life Ins. Co.	OMIndex-Escalator 10	10	1.00	1.00	87.50	$ 976		up to 6.50%
North American Company	Freedom Choice 10 Low-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%
North American Company	Freedom Choice 10 High-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%
North American Company	Freedom Choice (5%) 10 Low-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%
North American Company	Freedom Choice (5%) 10 High-Band [TSA, MVA, LOAN]	10		1.10	87.50	$ 976		up to 5.50%

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