Fixed Indexed Brief

State - AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Flex? Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. Amer. National Ins. (Legacy) American National Ins. Co. Assurity Life Athene Annuity Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. F&G Life (Legacy) Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING Annuity and Asset Sales Liberty Bankers Life Lincoln Financial Group Lincoln Life & Annuity of New York National Western Life Oxford Life Insurance Co. Phoenix Life Insurance Co. Phoenix Life Ins. Co. (AltiSure Group) Presidential Life Protective Life Corporation Sagicor Life Insurance Co. SBLI -Savings Bank Life Ins. of MA Sentinel Security Life Ins. Co. The Standard SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age Comm % Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate Products with Riders - Guaranteed Life Income Riders Death Benefit Riders Guaranteed Life with Death Benefit - Any Type of Rider -

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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 5 Years
The Standard	Index Growth Annuity 5 Low-Band	5		1.00	100.00	$1,051		up to 4.00%
The Standard	Index Growth Annuity 5 High-Band	5		1.00	100.00	$1,051		up to 4.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Five Low-Band	5		1.00	100.00	$1,051		up to 2.00%
Aviva Life & Annuity (MultiChoice Series)	MultiChoice Income Five High-Band	5		1.00	100.00	$1,051		up to 2.00%
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.00	100.00	$1,051		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.00	100.00	$1,051		up to 5.00%
Aviva Life & Annuity (Income Series)	Income Select 5 Low-Band [MVA]	5		2.75	87.50	$1,002		up to 2.00%
Aviva Life & Annuity (Income Series)	Income Select 5 High-Band [MVA]	5		2.75	87.50	$1,002		up to 2.00%
Allianz Life Ins. Co. of North America	Endurance Elite 5 [LOAN]	5		1.00	87.50	$ 920		up to 4.50%
Allianz Life Ins. Co. of North America	Allianz Pro V1 [LOAN]	5		1.00	87.50	$ 920		up to 3.25%
ING Annuity and Asset Sales	ING Secure Index Five Low-Band	5		1.00	87.50	$ 920		up to 3.50%
ING Annuity and Asset Sales	ING Secure Index Five High-Band	5		1.00	87.50	$ 920		up to 3.50%
The Standard	Index Select Annuity 5 Low-Band	5		1.00	87.50	$ 920		up to 3.00%
The Standard	Index Select Annuity 5 High-Band	5		1.00	87.50	$ 920		up to 3.00%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 5 Low-Band	5						up to 3.50%
Lincoln Life & Annuity of New York	Lincoln OptiChoice NY 5 High-Band	5						up to 3.50%
Amer. Equity Investment Life Ins. Co.	Heritage Gold (ICC11-IDX2)	5		1.50	87.50			up to 0.50%
Surrender Charges Last 6 Years
Lincoln Financial Group	Lincoln New Directions 6 Low-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
Lincoln Financial Group	Lincoln New Directions 6 High-Band [MVA]	6		1.00	100.00	$1,062		up to 3.50%
American National Ins. Co.	ANICO EIA	6		1.00	90.00	$ 955	05/01/12	up to 5.00%

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