Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 12 Years
American General Life Insurance Company AG HorizonIndex Annuity 12	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT MN NJ NY OK OR PR TX UT VI VT WA	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,198)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     2.20 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     8.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
Lincoln Financial Group Lincoln OptiPoint 12 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA	0-75: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,319)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45
Lincoln Financial Group Lincoln OptiPoint 12 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NY OR TX UT WA	0-75: 4.00 see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 Performance Triggered S&P 500 Perf Trig Annual None
RBC Insurance RBC Enhanced Choice 12 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE HI MN NJ NY OK OR PA PR TX UT VI WA	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (12 years): 14 13 12 11 10 9 8 7 6 5 4 3 For states CA (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.05% +1.00 Bonus 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum 100 0.00 2.00 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 1.50 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 4.00
Surrender Charges Last 10 Years
Aviva Life and Annuity Income Preferred Ultra High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states TX (10 years): 14.2 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5			Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : 09/03/10
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.25%
Aviva Life and Annuity Income Preferred Ultra Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states TX (10 years): 14.2 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5			Rate Changed: 08/06/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : 09/03/10
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.65%
American National Insurance Company Value Lock 10	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MN ND NJ NY OR PR VI VT	0-75: 10.00 76-80: 8.00
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, PA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 09/01/10
	Guaranteed Minimum Value:		90% of Premium at 1.75%  (GMR/1000 $1,071)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Continuous Monthly 70
American General Life Insurance Company Vision Maximizer	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK DE IL MN MS NJ NY OR PA PR TX UT VI VT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		17 16 15 14 13 10 9 8 7 6
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,152)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Monthly Average Account with Index Spread S&P 500 Point to Point Annual Monthly   8.00   Annual Point-to-Point Account with Cap S&P 500 Point to Point Annual None     3.50 Annual Point-to-Point Account with Adjustable Participation S&P 500 Point to Point Annual None 30
American National Insurance Company ANICO Strategy Indexed Annuity 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MN NY OR PA PR UT VI VT	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,105)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Rate Interest Account 1-Year Fixed Rate (no bonus) 2.00% 1 Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     4.00
Aviva Life and Annuity Income Preferred Bonus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	0-75: 7.00+ 76-78: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,044)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.65% 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.50 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     3.75
Aviva Life and Annuity Income Preferred Bonus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	0-75: 7.00+ 76-78: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,044)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.20% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     5.25 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     5.00
Aviva Life and Annuity Income Preferred Ten Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states TX, UT (10 years): 9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 1.65% 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     3.50 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.75
Aviva Life and Annuity Income Preferred Ten High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MS NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 For states TX, UT (10 years): 9.6 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.45% 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     5.00 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     5.50
Aviva Life and Annuity Income Select 10 Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     4.25 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select 10 High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.40% 1-Year S&P500 Point-to-Point S&P 500 Point to Point Annual None     5.25 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Hang Seng Hang Seng Point to Point Annual None     4.50 1-Year Point-to-Point DJ EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.50
Aviva Life and Annuity Income Select Platinum Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA IN MS SC VA	0-75: 5.00+ 76-78: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.40% 1-Year S&P 500 Point-to-Point Participation Index S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Index S&P 500 S&P 500 Point to Point Annual None     6.00 1-Year Point to Point Guaranteed Cap Index Strategy S&P 500 Point to Point Annual None     4.00 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00 1-Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00
Aviva Life and Annuity Income Select Platinum High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA IN MS SC VA	0-75: 5.00+ 76-78: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		12 12 12 11 10 9 8 7 6 4
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point Participation Index S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Index S&P 500 S&P 500 Point to Point Annual None     7.50 1-Year Point to Point Guaranteed Cap Index Strategy S&P 500 Point to Point Annual None     5.25 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.20% 1-Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.50 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.50
Aviva Life and Annuity Income Select Plus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AK, CA, IN, MO, MS, MT, SC, UT, VA (10 years): 16 15 14 13 12 11 10 8 6 4 For states CT, DE, MN, NJ, OR, PA, TX, WA (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.00 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select Plus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CA CT DE IN MN MS NJ OR PA SC TX UT VA WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AK, CA, IN, MO, MS, MT, SC, UT, VA (10 years): 16 15 14 13 12 11 10 8 6 4 For states CT, DE, MN, NJ, OR, PA, TX, WA (10 years): 14.9 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5
	Guaranteed Minimum Value:		87.5% of Premium at 2.75%  (GMR/1000 $1,205)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.00 1-Year S&P 500 Point-to-Point w/ Participation S&P 500 Point to Point Annual None 25     Fixed 1-Year Fixed Rate (no bonus) 2.20% 1 - Year Point to Point Hang Seng Index Hang Seng Point to Point Annual None     4.50 1 - Year Point to Point Dow Jones EUROSTOXX 50 DJ EuroStoxx 50 Point to Point Annual None     4.50
ING USA Annuity and Life ING Secure Index Opportunities Plus Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA	0-80: 7.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00
ING USA Annuity and Life ING Secure Index Opportunities Plus High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA	0-80: 7.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00
ING USA Annuity and Life ING Secure Index Outlook Annuity Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT DE MN NJ PA UT WA	0-80: 6.00+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,099)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50%
ING USA Annuity and Life ING Secure Index Outlook Annuity High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: AK CT DE MN NJ PA UT WA	0-80: 6.00+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,099)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00
Lincoln Financial Group Lincoln OptiPoint 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT	0-75: 3.50 76-80: 2.37 see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,231)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 Performance Triggered S&P 500 Perf Trig Annual None
Lincoln Financial Group Lincoln OptiPoint 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NY OR UT	0-75: 3.50 76-80: 2.37 see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,243)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 Performance Triggered S&P 500 Perf Trig Annual None       Fixed 1-Year Fixed Rate (no bonus) 2.10%
Phoenix Life Insurance Company Phoenix Reflections 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA DE ME NJ NV NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 2.75% 1 Year S&P 500® Point-to-Point Indexed Account S&P 500 Point to Point Annual None     6.00 1 Year S&P 500 Performance Trigger S&P 500 Perf Trig Annual None       1 Year Global Look Back Blended Indicies Point to Point Annual None 60   5.60 1 Year Domestic Look Back Blended Indicies Point to Point Annual None 60   6.25
Phoenix Life Insurance Company Phoenix Reflections 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 50,000 Monthly: 50,000 Qualified Single: 50,000 Monthly: 50,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA DE ME NJ NV NY OR PR VI
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Performance Trigger S&P 500 Perf Trig Annual None       1 Year S&P 500® Point-to-Point Indexed Account S&P 500 Point to Point Annual None     6.50 Fixed Account 1-Year Fixed Rate (no bonus) 2.75% 1 Year Domestic Look Back Blended Indicies Point to Point Annual None 60   6.75 1 Year Global Look Back Blended Indicies Point to Point Annual None 60   6.00
Phoenix Life Insurance Company Phoenix Reflections Bonus 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA CT DE ME NJ NV NY OR PR VI
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		14 13 12 10 9 8 6 5 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 2.50% 1 Year S&P 500® Point-to-Point Indexed Account S&P 500 Point to Point Annual None     4.75 1 Year S&P 500 Performance Trigger S&P 500 Perf Trig Annual None       1 Year Domestic Look Back Blended Indicies Point to Point Annual None 60   4.75 1 Year Global Look Back Blended Indicies Point to Point Annual None 60   4.30
Phoenix Life Insurance Company Phoenix Reflections Bonus 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 50,000 Monthly: 50,000 Qualified Single: 50,000 Monthly: 50,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CA CT DE ME NJ NV NY OR PR VI
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		14 13 12 10 9 8 6 5 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500® Point-to-Point Indexed Account S&P 500 Point to Point Annual None     5.25 1 Year S&P 500 Performance Trigger S&P 500 Perf Trig Annual None       Fixed Account 1-Year Fixed Rate (no bonus) 2.50% 1 Year Domestic Look Back Blended Indicies Point to Point Annual None 60   5.10 1 Year Global Look Back Blended Indicies Point to Point Annual None 60   4.60
RBC Insurance RBC Choice 10 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE HI MN NJ NY OK OR PA PR UT VI	0-75: 10.00+ 76-80: 8.00+ 81-85: 6.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 9.5 9 8 7 6 5 4 2 For states CA, TX, WA (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 2.05% 1 Year S&P 500 Annual Point to Point Cap S&P 500 Point to Point Annual None 100 0.00 3.75 1 Year S&P 500 Monthly Additive Point to Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 1.50 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual None 100 0.00 2.00 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00

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