The Selario Agency, Inc.
300 Mt. Lebanon Blvd., Suite 307
Pittsburgh, PA 15234

Fixed Indexed Annuities

www.selarioagency.com
800-331-7113-phone
412-344-6210-phone
412-341-1320
 
 
 
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Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Surrender Charges Last 12 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12
12 yrs 85 5.00% 2.00% 90.00% $1,198 08/27/10 0-75: 8.00+
76-80: 4.00+
81-85: 2.50+
Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap
Fixed Interest Account @ 2.00%
Lincoln Financial Group
Lincoln OptiPoint 12 -Low
12 yrs 75 4.00% 2.00% 100% $1,319 09/01/10 0-75: 4.00
Fixed @ 2.10% Performance Triggered
2-Year Monthly Cap 2-Year Point to Point
Lincoln Financial Group
Lincoln OptiPoint 12 -High
12 yrs 75 5.00% 2.00% 100% $1,332 09/01/10 0-75: 4.00
Fixed @ 2.10% 2-Year Point to Point
2-Year Monthly Cap Performance Triggered
RBC Insurance
RBC Enhanced Choice 12 SPDA
12 yrs 85 5.00% 1.00% 87.50% $1,035 09/01/10 0-75: 8.00+
76-80: 6.00+
81-85: 4.00+
Fixed Account @ 1.05% 1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap 1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap
Surrender Charges Last 10 Years
Aviva Life and Annuity
Income Preferred Ultra -High
10 yrs 78 1.00% 87.50% $ 967 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed Strategy @ 2.25%
Aviva Life and Annuity
Income Preferred Ultra -Low
10 yrs 78 1.00% 87.50% $ 967 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed Strategy @ 1.65%
American National Ins. Co.
Value Lock 10
10 yrs 80 1.75% 90.00% $1,071 09/01/10 0-75: 10.00
76-80: 8.00
S&P 500 10 Year Point-to-Point
Amer. General Life Ins. Co.
AG Global Bonus Index Annuity
10 yrs 80 5.00% 2.00% 100% $1,280 08/27/10 0-75: 7.00
76-80: 4.50
Fixed Interest Account @ 2.00% Global Multiple Index Account with Cap
Annual Point-to-Point Account with Participation Rate Monthly Additive Account with Cap
Amer. General Life Ins. Co.
Vision Maximizer
10 yrs 75 5.00% 2.00% 90.00% $1,152 08/27/10 0-75: 8.00+
Fixed Interest Account @ 2.00% Monthly Average Account with Index Spread
Annual Point-to-Point Account with Cap Annual Point-to-Point Account with Adjustable Participation
American National Ins. Co.
ANICO Strategy Indexed Annuity 10
10 yrs 85 1.00% 100% $1,105 09/01/10
Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Point-to-Point
Aviva Life and Annuity
Income Preferred Bonus -Low
10 yrs 78 8.00% 1.00% 87.50% $1,044 08/06/10 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 1.65% 1-Year Average Index Strategy
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life and Annuity
Income Preferred Bonus -High
10 yrs 78 8.00% 1.00% 87.50% $1,044 08/06/10 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 2.20% 1-Year Point-to-Point Index Strategy
1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy
Aviva Life and Annuity
Income Preferred Ten -Low
10 yrs 78 1.00% 87.50% $ 967 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 1.65% 1-Year Point-to-Point Index Strategy
1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life and Annuity
Income Preferred Ten -High
10 yrs 78 1.00% 87.50% $ 967 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 2.45% 1-Year Monthly Cap Index Strategy
1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
Aviva Life and Annuity
Income Select 10 -Low
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 2.00% 1-Year S&P500 Point-to-Point
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
1-Year Point-to-Point DJ EUROSTOXX 50 1-Year Point-to-Point Hang Seng
Aviva Life and Annuity
Income Select 10 -High
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 2.40% 1-Year S&P500 Point-to-Point
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
1-Year Point-to-Point Hang Seng 1-Year Point-to-Point DJ EUROSTOXX 50
Aviva Life and Annuity
Income Select Bonus -Low
10 yrs 78 8.00% 1.00% 100% $1,193 08/06/10 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 2.00% 1-Year Multiple Index Strategy
1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Participation Index Strategy
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
Aviva Life and Annuity
Income Select Bonus -High
10 yrs 78 8.00% 1.00% 100% $1,193 08/06/10 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 2.15% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) 1-Year Point-to-Point Participation Index Strategy
1-Year Monthly Cap Index Strategy 1-Year Point-to-Point Index Strategy
1-Year Average Index Strategy 1-Year Multiple Index Strategy
Aviva Life and Annuity
Income Select Platinum -Low
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 5.00+
76-78: 3.00+
1-Year Fixed @ 2.40% 1-Year S&P 500 Point-to-Point Participation Index
1-Year Point-to-Point Index S&P 500 1-Year Point to Point Guaranteed Cap Index Strategy
1 - Year Point to Point Hang Seng Index 1-Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity
Income Select Platinum -High
10 yrs 78 2.75% 87.50% $1,148 08/06/10 0-75: 5.00+
76-78: 3.00+
1-Year S&P 500 Point-to-Point Participation Index 1-Year Point-to-Point Index S&P 500
1-Year Point to Point Guaranteed Cap Index Strategy 1-Year Fixed @ 3.20%
1-Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity
Income Select Plus -Low
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 7.50+
76-78: 5.50+
Fixed @ 2.00% 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Point-to-Point w/ Participation
1 - Year Point to Point Dow Jones EUROSTOXX 50 1 - Year Point to Point Hang Seng Index
Aviva Life and Annuity
Income Select Plus -High
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 7.50+
76-78: 5.50+
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap
1-Year S&P 500 Point-to-Point w/ Participation Fixed @ 2.20%
1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
Aviva Life and Annuity
Income Select Plus S -Low
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 6.00+
76-78: 4.00+
Fixed @ 2.00% 1 - Year Point to Point Dow Jones EUROSTOXX 50
1 - Year Point to Point Hang Seng Index 1-Year S&P 500 Point-to-Point w/ Participation
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point Cap
Aviva Life and Annuity
Income Select Plus S -High
10 yrs 78 5.00% 2.75% 87.50% $1,205 08/06/10 0-75: 6.00+
76-78: 4.00+
Fixed @ 2.00% 1-Year S&P 500 Point-to-Point Cap
1-Year S&P 500 Monthly Cap 1-Year S&P 500 Point-to-Point w/ Participation
1 - Year Point to Point Hang Seng Index 1 - Year Point to Point Dow Jones EUROSTOXX 50
ING USA Annuity and Life
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00% 2.00% 87.50% $1,120 09/01/10 0-80: 7.00+
Fixed Rate Strategy @ 1.50% Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00% 2.00% 87.50% $1,120 09/01/10 0-80: 7.00+
Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy
ING USA Annuity and Life
ING Secure Index Outlook Annuity -Low
10 yrs 80 3.00% 2.00% 87.50% $1,099 09/01/10 0-80: 6.00+
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Fixed Rate Strategy @ 1.50%
ING USA Annuity and Life
ING Secure Index Outlook Annuity -High
10 yrs 80 3.00% 2.00% 87.50% $1,099 09/01/10 0-80: 6.00+
Fixed Rate Strategy @ 1.50% Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy
Lincoln Financial Group
Lincoln OptiPoint 10 -Low
10 yrs 80 3.00% 1.80% 100% $1,231 09/01/10 0-75: 3.50
76-80: 2.37
Fixed @ 2.10% 2-Year Monthly Cap
2-Year Point to Point Performance Triggered
Lincoln Financial Group
Lincoln OptiPoint 10 -High
10 yrs 80 4.00% 1.80% 100% $1,243 09/01/10 0-75: 3.50
76-80: 2.37
2-Year Monthly Cap 2-Year Point to Point
Performance Triggered Fixed @ 2.10%
Phoenix Life Insurance Co.
Phoenix Reflections 10 -Low
10 yrs 80 1.00% 87.50% $ 967 09/01/10
Fixed Account @ 2.75% 1 Year S&P 500® Point-to-Point Indexed Account
1 Year S&P 500 Performance Trigger 1 Year Global Look Back
1 Year Domestic Look Back
Phoenix Life Insurance Co.
Phoenix Reflections 10 -High
10 yrs 80 1.00% 87.50% $ 967 09/01/10
1 Year S&P 500 Performance Trigger 1 Year S&P 500® Point-to-Point Indexed Account
Fixed Account @ 2.75% 1 Year Domestic Look Back
1 Year Global Look Back
Phoenix Life Insurance Co.
Phoenix Reflections Bonus 10 -Low
10 yrs 80 5.00% 1.00% 87.50% $1,015 09/01/10
Fixed Account @ 2.50% 1 Year S&P 500® Point-to-Point Indexed Account
1 Year S&P 500 Performance Trigger 1 Year Domestic Look Back
1 Year Global Look Back
Phoenix Life Insurance Co.
Phoenix Reflections Bonus 10 -High
10 yrs 80 5.00% 1.00% 87.50% $1,015 09/01/10
1 Year S&P 500® Point-to-Point Indexed Account 1 Year S&P 500 Performance Trigger
Fixed Account @ 2.50% 1 Year Domestic Look Back
1 Year Global Look Back
Phoenix Life Insurance Co.
Phoenix Index Select -Low
10 yrs 85 1.00% 87.50% $ 967 09/01/10 0-75: 7.50
76-85: 5.00
Point-to-Point Indexed Account - 1 year S&P 500® Soft Landing Indexed Account - 5 year S&P 500®
Fixed Account @ 2.75% Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
Point-to-Point Indexed Account - 1 year DJIA® Point to Point Indexed Account - 1 Year Balanced Allocation
Phoenix Life Insurance Co.
Phoenix Index Select -High
10 yrs 85 1.00% 87.50% $ 967 09/01/10 0-75: 7.50
76-85: 5.00
Fixed Account @ 2.75% Soft Landing Indexed Account - 5 year S&P 500®
Point-to-Point Indexed Account - 1 year S&P 500® Point to Point Indexed Account - 1 Year Balanced Allocation
Point-to-Point Indexed Account - 1 year DJIA® Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
Phoenix Life Insurance Co.
Phoenix Index Select Bonus -Low
10 yrs 85 5.00% 1.00% 87.50% $1,015 09/01/10 0-75: 7.50
76-85: 5.00
Soft Landing Indexed Account - 5 year S&P 500® Point-to-Point Indexed Account - 1 year S&P 500®
Fixed Account @ 2.50% Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
Point-to-Point Indexed Account - 1 year DJIA® Point to Point Indexed Account - 1 Year Balanced Allocation
Phoenix Life Insurance Co.
Phoenix Index Select Bonus -High
10 yrs 85 5.00% 1.00% 87.50% $1,015 09/01/10 0-75: 7.50
76-85: 5.00
Fixed Account @ 2.50% Point-to-Point Indexed Account - 1 year S&P 500®
Soft Landing Indexed Account - 5 year S&P 500® Point to Point Indexed Account - 1 Year Balanced Allocation
Point-to-Point Indexed Account - 1 year DJIA® Point-to-Point Indexed Account - 1 year DJ EURO STOXX 50®
RBC Insurance
RBC Choice 10 SPDA
10 yrs 85 1.00% 87.50% $ 967 09/01/10 0-75: 10.00+
76-80: 8.00+
81-85: 6.00+
1-Year Fixed Account @ 2.05% 1 Year S&P 500 Annual Point to Point Cap
1 Year S&P 500 Monthly Additive Point to Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Cap
1-Year DJIA Monthly Average Cap
RBC Insurance
RBC Enhanced Choice 10 SPDA
10 yrs 85 5.00% 1.00% 87.50% $1,015 09/01/10 0-75: 7.00+
76-79: 5.00+
80-85: 3.00+
Fixed Account @ 1.05% 1-Year S&P 500 Monthly Additive Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account
1-Year DJIA Monthly Average Indexed Account
Surrender Charges Last 9 Years
Amer. General Life Ins. Co.
AG HorizonIndex Annuity 9
9 yrs 85 4.00% 2.00% 90.00% $1,119 08/27/10 0-75: 6.00+
76-80: 3.50+
81-85: 2.00+
Fixed Interest Account @ 2.00% Monthly Additive Account with Cap
2-Year Point-to-Point Account with Cap
Amer. General Life Ins. Co.
VisionAdvantage 9
9 yrs 80 2.00% 90.00% $1,076 08/27/10 0-75: 6.00
76-80: 5.00
Fixed Interest Account @ 2.30% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap
Monthly Average Account with Index Spread
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -Low
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 6.50+
Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Envoy Nine Fixed Index Annuity -High
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 6.50+
Fixed Rate Strategy @ 1.80% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -Low
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 1.50+
Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Envoy Six Fixed Index Annuity -High
9 yrs 80 1.00% 100% $1,094 09/01/10 0-80: 1.50+
Fixed Rate Strategy @ 1.50% 1-Year Point-to-Point Cap Index Strategy
Lincoln Financial Group
Lincoln OptiChoice 9 -Low
9 yrs 80 1.75% 100% $1,169 09/01/10 0-75: 7.00+
76-80: 5.25+
Fixed @ 1.90% 1-Year Point-to-Point
1-Year Monthly Average 1-Year Monthly Cap
Lincoln Financial Group
Lincoln OptiChoice 9 -High
9 yrs 80 1.75% 100% $1,169 09/01/10 0-75: 7.00+
76-80: 5.25+
1-Year Monthly Cap 1-Year Monthly Average
1-Year Point-to-Point Fixed @ 2.05%
Surrender Charges Last 8 Years
Amer. General Life Ins. Co.
AG Global 8 Index Annuity
8 yrs 80 2.00% 90.00% $1,054 08/27/10 0-75: 6.00
76-80: 4.75
Fixed Interest Account @ 2.00% Annual Point-to-Point Account with Participation Rate
Monthly Additive Account with Cap Global Multiple Index Account with Cap
Lincoln Financial Group
Lincoln New Directions 8 -Low
8 yrs 85 2.00% 100% $1,172 09/01/10 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Fixed @ 2.35% Performance Triggered
2-Year Point to Point
Lincoln Financial Group
Lincoln New Directions 8 -High
8 yrs 85 2.00% 100% $1,172 09/01/10 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Performance Triggered 2-Year Point to Point
Fixed @ 2.50%
Lincoln Financial Group
Lincoln OptiPoint 8 -Low
8 yrs 85 2.00% 1.60% 100% $1,158 09/01/10 0-75: 3.00
76-80: 2.00
81-85: 1.00
Fixed @ 2.10% 2-Year Monthly Cap
2-Year Point to Point Performance Triggered
Lincoln Financial Group
Lincoln OptiPoint 8 -High
8 yrs 85 3.00% 1.60% 100% $1,169 09/01/10 0-75: 3.00
76-80: 2.00
81-85: 1.00
Performance Triggered 2-Year Point to Point
2-Year Monthly Cap Fixed @ 2.10%
RBC Insurance
RBC Enhanced Choice 8 SPDA
8 yrs 85 2.00% 1.00% 87.50% $ 966 09/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.50+
Fixed Account @ 1.05% 1-Year S&P 500 Annual Point-to-Point Cap
1-Year S&P 500 Monthly Additive Point-to-Point Cap 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account
1-Year DJIA Monthly Average Indexed Account
Surrender Charges Last 7 Years
American National Ins. Co.
Value Lock 7
7 yrs 80 1.75% 90.00% $1,016 09/01/10 0-75: 6.00
76-80: 4.00
S&P 500 7 Year Point-to-Point
Amer. General Life Ins. Co.
VisionAdvantage 7
7 yrs 85 2.00% 90.00% $1,034 08/27/10 0-75: 6.00
76-85: 5.00
Fixed Interest Account @ 2.00% Annual Point-to-Point Account with 100% Participation Rate and an Index Cap
Annual Point-to-Point Account with 80% Participation Rate and an Index Cap Annual Point-to-Point Account with Adjustable Participation Rate and an Index Cap
Monthly Average Account with Index Spread
American National Ins. Co.
ANICO Strategy Indexed Annuity 7
7 yrs 85 1.00% 90.00% $ 965 09/01/10
Declared Rate Interest Account @ 2.00% 1 Year S&P 500 Annual Point-to-Point
Aviva Life and Annuity
Income Select 7 -Low
7 yrs 81 2.75% 87.50% $1,058 08/06/10 0-75: 4.00+
76-80: 2.75+
81-81: 2.75+
Fixed @ 2.00% 1-Year DJ EUROSTOXX 50 Point-to-Point
1-Year Hang Seng Point-to-Point 1 Year S&P500 Point-to-Point
1 Year S&P500 Point-to-Point w/ Participation 1-Year S&P500 Monthly Cap
Aviva Life and Annuity
Income Select 7 -High
7 yrs 81 2.75% 87.50% $1,058 08/06/10 0-75: 4.00+
76-80: 2.75+
81-81: 2.75+
Fixed @ 2.40% 1-Year S&P500 Monthly Cap
1 Year S&P500 Point-to-Point w/ Participation 1 Year S&P500 Point-to-Point
1-Year Hang Seng Point-to-Point 1-Year DJ EUROSTOXX 50 Point-to-Point
ING USA Annuity and Life
ING Secure Index Seven -Low
7 yrs 80 1.00% 100% $1,072 09/01/10 0-80: 5.00+
Fixed Rate Strategy @ 1.80% Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy
ING USA Annuity and Life
ING Secure Index Seven -High
7 yrs 80 1.00% 100% $1,072 09/01/10 0-80: 5.00+
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Fixed Rate Strategy @ 1.80%
Lincoln Financial Group
Lincoln OptiChoice 7 -Low
7 yrs 85 1.50% 100% $1,110 09/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed @ 1.70% 1-Year Monthly Cap
1-Year Monthly Average 1-Year Point-to-Point
Lincoln Financial Group
Lincoln OptiChoice 7 -High
7 yrs 85 1.50% 100% $1,110 09/01/10 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Fixed @ 1.85% 1-Year Point-to-Point
1-Year Monthly Average 1-Year Monthly Cap
Phoenix Life Insurance Co.
Phoenix Reflections 7 -Low
7 yrs 80 1.00% 87.50% $ 938 09/01/10
Fixed Account @ 2.70% 1 Year S&P 500® Point-to-Point Indexed Account
1 Year S&P 500 Performance Trigger 1 Year Domestic Look Back
1 Year Global Look Back
Phoenix Life Insurance Co.
Phoenix Reflections 7 -High
7 yrs 80 1.00% 87.50% $ 938 09/01/10
1 Year S&P 500® Point-to-Point Indexed Account 1 Year S&P 500 Performance Trigger
Fixed Account @ 2.70% 1 Year Domestic Look Back
1 Year Global Look Back
Surrender Charges Last 6 Years
American National Ins. Co.
ANICO EIA
6 yrs 85 1.50-3.00% 90.00% $1,075 09/01/10 0-79: 5.00
80-85: 3.00
Performance Triggered
Aviva Life and Annuity
Income Preferred Six -Low
6 yrs 80 1.00% 87.50% $ 929 08/06/10 0-75: 5.00+
76-80: 3.50+
Fixed Strategy @ 1.65% 1-Year Point-to-Point Index Strategy
1-Year Average Index Strategy 1-Year Monthly Cap Index Strategy
Aviva Life and Annuity
Income Preferred Six -High
6 yrs 80 1.00% 87.50% $ 929 08/06/10 0-75: 5.00+
76-80: 3.50+
Fixed Strategy @ 2.30% 1-Year Monthly Cap Index Strategy
1-Year Average Index Strategy 1-Year Point-to-Point Index Strategy
Lincoln Financial Group
Lincoln New Directions 6 -Low
6 yrs 85 1.75% 100% $1,110 09/01/10 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Fixed @ 2.10% Performance Triggered
2-Year Point to Point
Lincoln Financial Group
Lincoln New Directions 6 -High
6 yrs 85 1.75% 100% $1,110 09/01/10 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Performance Triggered 2-Year Point to Point
Fixed @ 2.25%
Surrender Charges Last 5 Years
Aviva Life and Annuity
Income Select 5 -Low
5 yrs 83 2.75% 87.50% $1,002 08/06/10 0-75: 3.00+
76-80: 2.05+
81-83: 1.95+
Fixed @ 2.00% 1-Year S&P 500 Point-to-Point (Participation)
1-Year S&P500 Point-to-Point 1-Year S&P500 Monthly Cap
1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year Hang Seng Point-to-Point
Aviva Life and Annuity
Income Select 5 -High
5 yrs 83 2.75% 87.50% $1,002 08/06/10 0-75: 3.00+
76-80: 2.05+
81-83: 1.95+
Fixed @ 2.05% 1-Year Hang Seng Point-to-Point
1-Year DJ EUROSTOXX 50 Point-to-Point 1-Year S&P500 Monthly Cap
1-Year S&P500 Point-to-Point 1-Year S&P 500 Point-to-Point (Participation)
ING USA Annuity and Life
ING Secure Index Five -Low
5 yrs 80 1.50% 100% $1,077 09/01/10 0-80: 4.00+
Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50%
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP)
ING USA Annuity and Life
ING Secure Index Five -High
5 yrs 80 1.50% 100% $1,077 09/01/10 0-80: 4.00+
Point-to-Point Cap Index Strategy Monthly Cap Index Strategy
Monthly Cap Index Strategy (ROP) Point-to-Point Cap Index Strategy (ROP)
Fixed Rate Strategy @ 1.50% Fixed Rate Strategy (ROP) @ 1.50%
Lincoln Financial Group
Lincoln OptiChoice 5 -Low
5 yrs 85 1.25% 100% $1,064 09/01/10 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Fixed @ 1.50% 1-Year Point-to-Point
1-Year Monthly Cap 1-Year Monthly Average
Lincoln Financial Group
Lincoln OptiChoice 5 -High
5 yrs 85 1.25% 100% $1,064 09/01/10 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
1-Year Point-to-Point 1-Year Monthly Cap
1-Year Monthly Average Fixed @ 1.65%
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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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