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Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	High Comm
Featured Products
Surrender Charges Last 5 Years
Allianz Life	Endurance Elite	5		1.00	87.50	$ 920	up to 5.00%
Surrender Charges Last 7 Years
Americo	Ultimate One Index 7	7		1.50	100.00	$1,110	up to 7.00%
ING USA Annuity and Life	ING Secure Index Seven Low-Band	7		1.00	100.00	$1,072	up to 5.00%
ING USA Annuity and Life	ING Secure Index Seven High-Band	7		1.00	100.00	$1,072	up to 5.00%
Surrender Charges Last 8 Years
Lincoln Financial Group	Lincoln OptiPoint 8 High-Band [MVA]	8	3.00	1.60	100.00	$1,169	up to 6.00%
Lincoln Financial Group	Lincoln OptiPoint 8 Low-Band [MVA]	8	2.00	1.60	100.00	$1,158	up to 6.00%
RBC Insurance	RBC Enhanced Choice 8 SPDA [MVA]	8	2.00	1.00	87.50	$ 966	up to 6.00%
Surrender Charges Last 10 Years
Amer. General Life Ins. Co.	AG Global Bonus Index Annuity [MVA]	10	5.00	2.00	100.00	$1,280	up to 7.00%
Reliance Standard Life	Keystone 10 Index Annuity	10		2.00	100.00	$1,219	up to 8.50%
Aviva Life and Annuity	Income Select Bonus Low-Band	10	8.00	1.00	100.00	$1,193	up to 7.00%
Aviva Life and Annuity	Income Select Bonus High-Band	10	8.00	1.00	100.00	$1,193	up to 7.00%
Allianz Life	MasterDex X Annuity [LOAN]	10	10.00	1.50	90.00	$1,149	up to 7.00%
ING USA Annuity and Life	ING Secure Index Opportunities Plus Low-Band [MVA]	10	5.00	2.00	87.50	$1,120	up to 7.00%
ING USA Annuity and Life	ING Secure Index Opportunities Plus High-Band [MVA]	10	5.00	2.00	87.50	$1,120	up to 7.00%

Company	Product	SC Years	GTD Min Rate	GTD % Premium	GTD Return on $1,000	High Comm
Surrender Charges Last 5 Years
Reliance Standard Life	Keystone 5 Index Annuity	5	2.00	100.00	$1,104	up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus Low-Band	5	1.50	100.00	$1,077	up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus High-Band	5	1.50	100.00	$1,077	up to 4.00%
ING USA Annuity and Life	ING Secure Index Five Low-Band	5	1.50	100.00	$1,077	up to 4.00%
ING USA Annuity and Life	ING Secure Index Five High-Band	5	1.50	100.00	$1,077	up to 4.00%

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.

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

"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

For use by licensed insurance agents/brokers only - not authorized for use by the public.