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MYGA

State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company / Product Name	AM Best	Minimum Premium	Rate Change	Years Rate Gtd	Rate	Yield to Surrender	Commissions Age: Rate
Featured Products
Rate Guaranteed 6 Years
American National Insurance Company Palladium MYG Annuity 6 High-Band [MVA]	A+	100,000	01/01/09	1-6	5.00	5.00	0-79: 2.50 80-85: 0.50
	A+	100,000	01/01/09			5.00	0-79: 2.50 80-85: 0.50
American National Insurance Company Palladium MYG Annuity 6 Low-Band [MVA]	A+	5,000	01/01/09	1-6	4.90	4.90	0-79: 2.50 80-85: 0.50
	A+	5,000	01/01/09			4.90	0-79: 2.50 80-85: 0.50
Rate Guaranteed 5 Years
EquiTrust Life Insurance Company Certainty Select 5 [MVA]	A-	30,000	11/11/08	1-5	4.50	4.50	0-80: 3.00 81-90: 2.25
EquiTrust Life Insurance Company Certainty Select 5 [MVA]	A-	30,000	11/11/08			4.50	0-80: 3.00 81-90: 2.25
Reliance Standard Life Elektra 579 (5) [MVA]	A	10,000	10/07/08	1	5.20	4.40	0-75: 3.00 76-80: 2.40 81-85: 1.80
Reliance Standard Life Elektra 579 (5) [MVA]	A	10,000	10/07/08	2-5	4.20	4.40	0-75: 3.00 76-80: 2.40 81-85: 1.80
American National Insurance Company Palladium MYG Annuity 5 High-Band [MVA]	A+	100,000	01/01/09	1	5.15	4.35	0-79: 4.00 80-85: 2.00
	A+	100,000	01/01/09	2-5	4.15	4.35	0-79: 4.00 80-85: 2.00
American National Insurance Company Palladium MYG Annuity 5 Low-Band [MVA]	A+	5,000	01/01/09	1	5.05	4.25	0-79: 4.00 80-85: 2.00
	A+	5,000	01/01/09	2-5	4.05	4.25	0-79: 4.00 80-85: 2.00
Rate Guaranteed 4 Years
American National Insurance Company Palladium MYG Annuity 4 High-Band [MVA]	A+	100,000	01/01/09	1-4	3.50	3.50	0-79: 2.00 80-85: 1.00
	A+	100,000	01/01/09			3.50	0-79: 2.00 80-85: 1.00
American National Insurance Company Palladium MYG Annuity 4 Low-Band [MVA]	A+	5,000	01/01/09	1-4	3.40	3.40	0-79: 2.00 80-85: 1.00
	A+	5,000	01/01/09			3.40	0-79: 2.00 80-85: 1.00
Rate Guaranteed 3 Years
American National Insurance Company Palladium MYG Annuity 3 High-Band [MVA]	A+	100,000	01/01/09	1-3	3.20	3.20	0-79: 1.50 80-85: 0.50
	A+	100,000	01/01/09			3.20	0-79: 1.50 80-85: 0.50
American National Insurance Company Palladium MYG Annuity 3 Low-Band [MVA]	A+	5,000	01/01/09	1-3	3.10	3.10	0-79: 1.50 80-85: 0.50
	A+	5,000	01/01/09			3.10	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]	A-	30,000		11/11/08	1-10	6.00	6.00	0-80: 3.00 81-90: 2.25

EquiTrust Life Insurance Company Certainty Select 10 [MVA]	A-	30,000		11/11/08	1-10	6.00	6.00	0-80: 3.00 81-90: 2.25

Illinois Mutual Select Advantage 10 [MVA]	A-	5,000		11/17/08	1-10	5.55	5.55	0-80: 5.00

American General Life Insurance Company AG HorizonSelect 10 [MVA]	A	5,000		12/15/08	1-10	5.45	5.45	0-80: 4.00 81-85: 3.00

Next Rate:	01/06/09	1-10	5.20	5.20	-0.25 DOWN

Allianz Life Dominator 10 High-Band [MVA, LOAN]	A+	100,000		12/02/08	1-10	5.30	5.30	0-74: 3.00 75-79: 2.00 80-85: 1.00

AIG Annuity Insurance Company Set Rate 10	A	5,000 Q:2,000		12/29/08	1-10	5.30	5.30	0-85: 5.25

Allianz Life Dominator 10 Mid-Band [MVA, LOAN]	A+	25,000		12/02/08	1-10	5.20	5.20	0-74: 3.00 75-79: 2.00 80-85: 1.00

Allianz Life of NY Dominator Annuity 10 [MVA, LOAN]	A	35,000		11/04/08	1-10	5.20	5.20	0-74: 3.00 75-80: 2.00

Allianz Life Dominator 10 Low-Band [MVA, LOAN]	A+	5,000 Q:2,000		12/02/08	1-10	5.10	5.10	0-74: 3.00 75-79: 2.00 80-85: 1.00

Company / Product Name

AM
Best

Commissions
Age: Rate

Rate Guaranteed 10 Years

EquiTrust Life Insurance Company
Certainty 10 [MVA]

A-

30,000

11/11/08

1-10

6.00

0-80: 3.00
81-90: 2.25

EquiTrust Life Insurance Company
Certainty Select 10 [MVA]

A-

30,000

11/11/08

1-10

6.00

0-80: 3.00
81-90: 2.25

Illinois Mutual
Select Advantage 10 [MVA]

A-

5,000

11/17/08

1-10

5.55

0-80: 5.00

American General Life Insurance Company
AG HorizonSelect 10 [MVA]

5,000

12/15/08

1-10

5.45

0-80: 4.00
81-85: 3.00

Next Rate:

01/06/09

1-10

5.20

-0.25 DOWN

Allianz Life
Dominator 10 High-Band [MVA, LOAN]

A+

100,000

12/02/08

1-10

5.30

0-74: 3.00
75-79: 2.00
80-85: 1.00

AIG Annuity Insurance Company
Set Rate 10

5,000
Q:2,000

12/29/08

1-10

5.30

0-85: 5.25

Allianz Life
Dominator 10 Mid-Band [MVA, LOAN]

A+

25,000

12/02/08

1-10

5.20

0-74: 3.00
75-79: 2.00
80-85: 1.00

Allianz Life of NY
Dominator Annuity 10 [MVA, LOAN]

35,000

11/04/08

1-10

5.20

0-74: 3.00
75-80: 2.00

Allianz Life
Dominator 10 Low-Band [MVA, LOAN]

A+

5,000
Q:2,000

12/02/08

1-10

5.10

0-74: 3.00
75-79: 2.00
80-85: 1.00

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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