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Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Featured Products
Rate Guaranteed 5 Years
The Standard Focused Growth Annuity 5 High-Band [MVA, LOAN]	A	100,000	03/01/10	1-5	3.10	3.10	0-80: 3.00 81-85: 1.50 86-UP: 1.35 see notes
	A	100,000	03/01/10			3.10	0-80: 3.00 81-85: 1.50 86-UP: 1.35 see notes
Reliance Standard Life Elektra 579 (5) [MVA]	A	10,000	11/02/09	1-5	3.00	3.00	0-75: 3.00 76-80: 2.40 81-85: 1.80 see notes
Reliance Standard Life Elektra 579 (5) [MVA]	A	10,000	11/02/09			3.00	0-75: 3.00 76-80: 2.40 81-85: 1.80 see notes
The Standard Focused Growth Annuity 5 Low-Band [MVA, LOAN]	A	15,000	03/01/10	1-5	3.00	3.00	0-80: 3.00 81-85: 1.50 86-UP: 1.35 see notes
	A	15,000	03/01/10			3.00	0-80: 3.00 81-85: 1.50 86-UP: 1.35 see notes
EquiTrust Life Insurance Company Certainty Select 5 [MVA]	B+	30,000	02/04/10	1-5	2.50	2.50	0-80: 3.00+ 81-90: 2.25+ see notes
	B+	30,000	02/04/10			2.50	0-80: 3.00+ 81-90: 2.25+ see notes
	Next Rate:		03/12/10	1-5	2.50	2.50	No Change
	Next Rate:		03/12/10			2.50	No Change
Rate Guaranteed 3 Years
American National Insurance Company Palladium MYG Annuity 3 High-Band [MVA]	A	100,000	03/01/10	1-3	2.10	2.10	0-79: 1.50 80-85: 0.50
	A	100,000	03/01/10			2.10	0-79: 1.50 80-85: 0.50
American National Insurance Company Palladium MYG Annuity 3 Low-Band [MVA]	A	5,000	03/01/10	1-3	2.00	2.00	0-79: 1.50 80-85: 0.50
	A	5,000	03/01/10			2.00	0-79: 1.50 80-85: 0.50

Company / Product Name	AM Best	Minimum Premium	Premium Bonus	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	30,000		02/04/10	1-10	4.15	4.15	0-80: 3.00+ 81-90: 2.25+ see notes
	B+	30,000		02/04/10			4.15	0-80: 3.00+ 81-90: 2.25+ see notes
	Next Rate:			03/12/10	1-10	4.15	4.15	No Change
	Next Rate:			03/12/10			4.15	No Change
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	30,000		02/04/10	1-10	4.15	4.15	0-80: 3.00+ 81-90: 2.25+ see notes
	B+	30,000		02/04/10			4.15	0-80: 3.00+ 81-90: 2.25+ see notes
	Next Rate:			03/12/10	1-10	4.15	4.15	No Change
	Next Rate:			03/12/10			4.15	No Change
West Coast Life Sure Advantage 10 High-Band [MVA]	A+	100,000	1.00	03/09/10	1-10	3.75	3.85	0-75: 2.50 76-85: 1.00
West Coast Life Sure Advantage 10 High-Band [MVA]	A+	100,000	1.00	03/09/10			3.85	0-75: 2.50 76-85: 1.00
North American Company NA Guarantee Choice 10 High-Band [MVA]	A+	200,000		02/23/10	1-10	3.85	3.85	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	200,000		02/23/10			3.85	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
ING USA Annuity and Life Guaranteed Choice 10 High-Band [MVA]	A	75,000		12/10/09	1	4.70	3.80	see notes
	A	75,000		12/10/09	2-10	3.70	3.80	see notes
Western National Life Insurance Company Set Rate Annuity 10 High-Band [MVA]	A	100,000		03/08/10	1-10	3.80	3.80
	A	100,000		03/08/10			3.80
West Coast Life Sure Advantage 10 Low-Band [MVA]	A+	10,000		03/09/10	1-10	3.75	3.75	0-75: 2.50 76-85: 1.00
West Coast Life Sure Advantage 10 Low-Band [MVA]	A+	10,000		03/09/10			3.75	0-75: 2.50 76-85: 1.00
American National Insurance Company Palladium MYG Annuity 10 High-Band [MVA]	A	100,000		03/01/10	1	4.65	3.75	0-79: 4.00 80-85: 2.00
	A	100,000		03/01/10	2-10	3.65	3.75	0-79: 4.00 80-85: 2.00
American General Life Insurance Company AG HorizonSelect 10 [MVA]	A	5,000		02/08/10	1-10	3.75	3.75	0-80: 4.00 81-85: 3.00
	A	5,000		02/08/10			3.75	0-80: 4.00 81-85: 3.00
ING USA Annuity and Life Guaranteed Choice 10 Low-Band [MVA]	A	15,000		12/10/09	1-10	3.70	3.70	see notes
	A	15,000		12/10/09			3.70	see notes
Integrity Life Insurance Momentum Advantage 10 [MVA]	A+	20,000		02/28/10	1	4.35	3.67	0-79: 3.50 80-83: 1.50
Integrity Life Insurance Momentum Advantage 10 [MVA]	A+	20,000		02/28/10	2-10	3.60	3.67	0-79: 3.50 80-83: 1.50
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000		03/01/10	1-10	3.65	3.65	0-75: 2.50 76-80: 1.60 81-85: 1.60
	A+	100,000		03/01/10			3.65	0-75: 2.50 76-80: 1.60 81-85: 1.60
North American Company NA Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000		02/23/10	1-10	3.65	3.65	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes
	A+	10,000 Q:2,000		02/23/10			3.65	0-80: 2.50 81-85: 1.88 86-90: 1.25 see notes

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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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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