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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
EquiTrust Life Insurance Company Certainty Select 5 [MVA]	B+	10,000	01/23/12	1-5	2.75	2.75	0-80: 3.00 81-90: 2.25 see notes
EquiTrust Life Insurance Company Certainty Select 5 [MVA]	B+	10,000	01/23/12			2.75	0-80: 3.00 81-90: 2.25 see notes
The Standard Focused Growth Annuity 5 High-Band [MVA, LOAN]	A	100,000	01/01/12	1-5	1.85	1.85	0-80: 3.00 81-85: 1.50 86-UP: 1.35
	A	100,000	01/01/12			1.85	0-80: 3.00 81-85: 1.50 86-UP: 1.35
The Standard Focused Growth Annuity 5 Low-Band [MVA, LOAN]	A	15,000	01/01/12	1-5	1.75	1.75	0-80: 3.00 81-85: 1.50 86-UP: 1.35
	A	15,000	01/01/12			1.75	0-80: 3.00 81-85: 1.50 86-UP: 1.35

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Rate Guaranteed 10 Years
North American Company Guarantee Choice 10 High-Band [MVA]	A+	200,000	01/19/12	1-10	3.40	3.40	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
	A+	200,000	01/19/12			3.40	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	10,000	01/23/12	1-10	3.25	3.25	0-80: 3.00 81-90: 2.25 see notes
EquiTrust Life Insurance Company Certainty Select 10 [MVA]	B+	10,000	01/23/12			3.25	0-80: 3.00 81-90: 2.25 see notes
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	10,000	01/23/12	1-10	3.25	3.25	0-80: 3.00+ 81-90: 2.25+ see notes
EquiTrust Life Insurance Company Certainty 10 [MVA]	B+	10,000	01/23/12			3.25	0-80: 3.00+ 81-90: 2.25+ see notes
North American Company Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12	1-10	3.25	3.25	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
North American Company Guarantee Choice 10 Low-Band [MVA]	A+	10,000 Q:2,000	01/19/12			3.25	0-80: 2.50+ 81-85: 1.88+ 86-90: 1.25+ see notes
American National Life Insurance Company of NY Palladium MYG 10 High-Band	A	100,000	02/01/12	1	3.55	2.65	0-79: 4.00 80-85: 2.00
	A	100,000	02/01/12	2-10	2.55	2.65	0-79: 4.00 80-85: 2.00
American National Insurance Company Palladium MYG Annuity 10 High-Band [MVA]	A	100,000	02/01/12	1	3.55	2.65	0-79: 4.00 80-85: 2.00
	A	100,000	02/01/12	2-10	2.55	2.65	0-79: 4.00 80-85: 2.00
American National Insurance Company Palladium MYG Annuity 10 Low-Band [MVA]	A	5,000	02/01/12	1	3.45	2.55	0-79: 4.00 80-85: 2.00
	A	5,000	02/01/12	2-10	2.45	2.55	0-79: 4.00 80-85: 2.00
Integrity Life Insurance MultiVantage 10 [MVA]	A+	20,000	12/31/11	1	3.45	2.55	0-75: 3.50 76-85: 2.70 86-89: 2.00
Integrity Life Insurance MultiVantage 10 [MVA]	A+	20,000	12/31/11	2-10	2.45	2.55	0-75: 3.50 76-85: 2.70 86-89: 2.00
American National Life Insurance Company of NY Palladium MYG 10 Low-Band	A	5,000	02/01/12	1	3.45	2.55	0-79: 4.00 80-85: 2.00
	A	5,000	02/01/12	2-10	2.45	2.55	0-79: 4.00 80-85: 2.00
Integrity Life Insurance Momentum Advantage 10 [MVA]	A+	20,000	12/31/11	1	3.20	2.52	0-79: 3.50 80-83: 1.50
Integrity Life Insurance Momentum Advantage 10 [MVA]	A+	20,000	12/31/11	2-10	2.45	2.52	0-79: 3.50 80-83: 1.50
The Standard Focused Growth Annuity 10 High-Band [MVA, LOAN]	A	100,000	01/01/12	1-10	2.50	2.50	0-80: 4.00
	A	100,000	01/01/12			2.50	0-80: 4.00
Lincoln Life & Annuity of New York Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	02/01/12	1-10	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
Lincoln Financial Group Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	A+	100,000	02/01/12	1-10	2.45	2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
	A+	100,000	02/01/12			2.45	0-75: 2.50 76-80: 1.60 81-85: 1.00
The Standard Focused Growth Annuity 10 Low-Band [MVA, LOAN]	A	15,000	01/01/12	1-10	2.40	2.40	0-80: 4.00
	A	15,000	01/01/12			2.40	0-80: 4.00
National Integrity Life Insurance MultiVantage 10 [MVA]	A+	20,000	01/31/12	1	3.30	2.40	0-75: 3.50 76-85: 2.70 86-UP: 2.00
National Integrity Life Insurance MultiVantage 10 [MVA]	A+	20,000	01/31/12	2-10	2.30	2.40	0-75: 3.50 76-85: 2.70 86-UP: 2.00
Western National Life Insurance Company Set Rate Annuity 10 High-Band [MVA]	A	100,000	02/06/12	1-10	2.35	2.35	0-75: 4.00 76-85: 2.00
	A	100,000	02/06/12			2.35	0-75: 4.00 76-85: 2.00

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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