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

Fixed Annuity Detail Sheet

www.selarioagency.com
800-331-7113-phone
412-344-6210-phone
412-341-1320
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
 Comm
%

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Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years

RBC Insurance

Value Master SPDA
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 
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 HI MN NJ NY PR VI 		0-75: 7.00
76-80: 5.00
81-85: 4.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 3.00 3.00 3.00

Aviva Life and Annuity

Income Select Spirit Bonus (1-Year)

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 CT DE MN NJ NY OR PA PR UT VI WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
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, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

Aviva Life and Annuity

Income Select Spirit Bonus (1-Year)

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 CT DE MN NJ NY OR PA PR UT VI WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
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, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 4
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

American National Insurance Company

Palladium Century 7
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 
No- 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  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:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 9 2.00 2.68 2.68

Transamerica Life

Trans 10 Enhanced Rate Option
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 11 10 9 8 7 6 5 4 2
Rate Changed: 08/23/10
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 2% 4.35 2.35 2.55 1.60

Aviva Life and Annuity

Income Select Spirit Plus

Low-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
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 CT DE MN NJ NY OR PA PR SC TX UT VI WA 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years: 16 15 14 13 12 11 10 8 6 4
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Aviva Life and Annuity

Income Select Spirit Plus

High-Band
Non-Qualified
Owner:78
Annuitant:
Qualified
Owner:78
Annuitant:
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 PA PR SC TX UT VI WA 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years: 16 15 14 13 12 11 10 8 6 4
Withdrawal Charges 10 years: 10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

American National Insurance Company

Palladium Century 5
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 
No- 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  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:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 6 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7 2.00 2.49 2.49

American General Life Insurance Company

AG HorizonMYG
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 MN NJ NY PR UT VI 		0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/23/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 4% 6 2.00 2.39 2.39

American National Insurance Company

Palladium Century 3
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
Yes-Disability  No- Unemployment 
No- 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  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:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
11 10 9 8 7 6 5 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 5 2.00 2.30 2.30

American National Insurance Company

Palladium Century 1
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- 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  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:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 3 2.00 2.10 2.10
Surrender Charges Last 9 Years

American General Life Insurance Company

AG HorizonPlus
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:

MN NJ NY OR PA PR UT VI WA 		0-75: 6.00
76-80: 3.20
81-85: 1.35
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 08/23/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 6% 8 2.00 2.65 2.65

Presidential Life

No Load Flex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:120
Monthly:120
Qualified
Single:120
Monthly:120
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  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

IL NH OR PR VI WA 		0-75: 3.50
76-80: 2.60
81-85: 0.75
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.3 1.50 2.30 1.59
Surrender Charges Last 8 Years

American General Life Insurance Company

AG HorizonFlex
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 NY PR UT VI 		0-75: 5.00
76-80: 4.00
81-85: 3.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 8 years:
8 8 8 7 6 5 3 1
Rate Changed: 08/23/10
Guaranteed Minimum Value: 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 4 2.00 2.25 2.25
Surrender Charges Last 7 Years


American National Insurance Company
The Eagle Annuity

Product has been withdrawn from sale effective 09/01/2010

American National Insurance Company

Palladium Group Fixed Deferred
Non-Qualified
Owner:
Annuitant:85
Qualified
Owner:
Annuitant:80
Non-Qualified
Single:1,200
Monthly:1,200
Qualified
Single:1,200
Monthly:1,200
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 

Only
Available in:

AL CT IL MA MN OR PA WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
9 8 7 6 5 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 3 2.00 3.00 2.14

American National Insurance Company

Citadel 7 Diamond

High-Band
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:85
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
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  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:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 4.1 2.10 2.38 2.31

American National Insurance Company

Citadel 7 Diamond

Low-Band
Non-Qualified
Owner:99
Annuitant:85
Qualified
Owner:99
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
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  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:

NY PR VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate Years
2-2 		Yield to SurrenderTM
Current Guarant'd
2 Year Fixed with Bonus 2 Years 2% 4 2.00 2.28 2.28

Genworth Life Insurance Company

SecureLiving SmartRate

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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  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:

MS NY PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 08/25/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 4 1.50 2.28 1.85

Aviva Life and Annuity

Income Select Spirit 7 (1-Year)

High-Band
Non-Qualified
Owner:81
Annuitant:81
Qualified
Owner:81
Annuitant:81
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
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  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:

NJ NY PA 		0-75: 4.00+
76-80: 2.75+
81-81: 2.75+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
9 8 7 6 5 4 3
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.25 2.00 2.25 2.04

Genworth Life Insurance Company

SecureLiving SmartRate

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MS NY PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 08/25/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1.5% 3.5 1.50 2.21 1.78

American National Insurance Company

Palladium Advisor
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:0
Annuitant:0
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:0
Monthly:0
Yes-Disability  No- Unemployment 
No- 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  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:

NJ NY PR UT VI
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 3 2.00 2.14 2.14

Genworth Life Insurance Company

SecureLiving SmartRate

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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  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:

MS NY PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 08/25/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 3 1.50 2.14 1.71

Genworth Life of New York

SecureLiving SmartRate NY (1)

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years: Rate Changed: 08/11/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 3 2.00 2.14 2.14

Genworth Life of New York

SecureLiving SmartRate NY (1)

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years: Rate Changed: 08/11/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 0.5% 2.5 2.00 2.07 2.07

Genworth Life Insurance Company

SecureLiving SmartRate 3

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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  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:

MS NY PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 08/25/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.3% 2.3 2.00 2.04 1.76

Genworth Life Insurance Company

SecureLiving SmartRate 3

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MS NY PR VI 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 08/25/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.2% 2.2 2.00 2.03 1.74

Genworth Life of New York

SecureLiving SmartRate NY (3)

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years: Rate Changed: 08/11/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.2% 2.2 2.00 2.03 2.03

Genworth Life of New York

SecureLiving SmartRate NY (5)

High-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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  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:

NY 		0-75: 4.50
76-80: 2.60
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 08/11/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year Fixed with Bonus 5 Years 0.2% 2.2 2.00 2.03 2.03

Genworth Life of New York

SecureLiving SmartRate NY (3)

Mid-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
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 

Only
Available in:

NY 		0-75: 4.50
76-80: 2.70
81-85: 1.05
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years: Rate Changed: 08/11/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year Fixed with Bonus 3 Years 0.1% 2.1 2.00 2.01 2.01
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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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