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Fixed Annuities
.
Company / Product Name 		AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Surrender Charges Last 7 Years
Genworth Life Insurance Company
SecureLiving SmartRate 3 High-Band
A+ 3 12/17/08 4.10 1.45 5.55     4.31 3.67 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate 3 Mid-Band
A+ 3 12/17/08 4.10 1.35 5.45     4.29 3.66 0-75: 4.50
76-80: 2.70
81-85: 1.05
Genworth Life Insurance Company
SecureLiving SmartRate 3 Low-Band
A+ 3 12/17/08 4.10 1.25 5.35     4.28 3.65 0-75: 4.50
76-80: 2.70
81-85: 1.05
Surrender Charges Last 6 Years
RBC Insurance
Guarantee 3+3 Master
A 3 01/01/09 6.00 0.00 6.00     6.00 4.49 0-75: 2.00
76-80: 1.25
81-85: 0.50
Lincoln Benefit Life
SureHorizon II 1 High-Band
A+ 1 12/08/08 2.65 2.50 5.15     3.06 0.84 0-75: 4.75
76-80: 3.56
81-90: 2.37
Lincoln Benefit Life
SureHorizon II 1 Low-Band
A+ 1 12/08/08 2.65 1.50 4.15     2.90 0.68 0-75: 4.75
76-80: 3.56
81-90: 2.37

MYGAs
.
Company / Product Name 		AM
Best 		Years
Gtd 		Last
Change 		Base
Rate 		Bonus
Rate 		Current
Rate 		Premium
Bonus 		Effective
Rate 		CUR GTD Commissions
Age: Rate
Yield to Surrender
Surrender Charges Last 10 Years
American National Insurance Company
Palladium MYG Annuity 6 High-Band [MVA]
A+ 6 01/01/09 5.00 0.00 5.00     5.00 5.00 0-79: 2.50
80-85: 0.50
American National Insurance Company
Palladium MYG Annuity 6 Low-Band [MVA]
A+ 6 01/01/09 4.90 0.00 4.90     4.90 4.90 0-79: 2.50
80-85: 0.50
American National Insurance Company
Palladium MYG Annuity 5 High-Band [MVA]
A+ 5 01/01/09 4.15 1.00 5.15     4.35 4.35 0-79: 4.00
80-85: 2.00
American National Insurance Company
Palladium MYG Annuity 5 Low-Band [MVA]
A+ 5 01/01/09 4.05 1.00 5.05     4.25 4.25 0-79: 4.00
80-85: 2.00
American National Insurance Company
Palladium MYG Annuity 4 High-Band [MVA]
A+ 4 01/01/09 3.50 0.00 3.50     3.50 3.50 0-79: 2.00
80-85: 1.00
American National Insurance Company
Palladium MYG Annuity 4 Low-Band [MVA]
A+ 4 01/01/09 3.40 0.00 3.40     3.40 3.40 0-79: 2.00
80-85: 1.00
American National Insurance Company
Palladium MYG Annuity 3 High-Band [MVA]
A+ 3 01/01/09 3.20 0.00 3.20     3.20 3.20 0-79: 1.50
80-85: 0.50
American National Insurance Company
Palladium MYG Annuity 3 Low-Band [MVA]
A+ 3 01/01/09 3.10 0.00 3.10     3.10 3.10 0-79: 1.50
80-85: 0.50
Surrender Charges Last 5 Years
EquiTrust Life Insurance Company
Certainty Select 5 [MVA]
A- 5 11/11/08 4.50 0.00 4.50     4.50 4.50 0-80: 3.00
81-90: 2.25
Reliance Standard Life
Elektra 579 (5) [MVA]
A 5 10/07/08 4.20 1.00 5.20     4.40 4.40 0-75: 3.00
76-80: 2.40
81-85: 1.80

Fixed Indexed Annuities
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
Surrender Charges Last 10 Years
American General Life Insurance Company
AIG Global Bonus Index
Fixed Interest Account
Fixed 10
Years 		5.00 12/08/08 4.45% 1-Yr Fixed 0-75: 7.00
76-80: 4.50
Min Rates: 2.00
Next Rate Change:  01/12/09 4.20% 1-Yr Fixed
Reliance Standard Life
Keystone 10 Index Annuity
Fixed Interest Strategy
Fixed 10
Years 		  10/16/08 4.20% 1-Yr Fixed 0-80: 8.50
81-85: 6.80
Min Rates: 2.00
Allianz Life
MasterDex 5 Plus Annuity
Fixed
Fixed 10
Years 		3.00
to 5.00 		12/02/08 3.50% 1-Yr Fixed 0-75: 8.00
76-80: 6.00
81-85: 4.00
Min Rates: 1.00
Allianz Life
MasterDex 5 Plus Annuity
1 Year S&P 500 Monthly Cap
S&P 500 Point to Point 10
Years 		3.00
to 5.00 		12/02/08     2.80 0-75: 8.00
76-80: 6.00
81-85: 4.00
Annual Monthly Sum Min Rates: 100   1.25
Showing 1-20 of 80    Display: Page:   1 | 2 | 3 | 4

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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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