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Fixed Indexed Brief

State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company	Product	SC Years	Premium Bonus	GTD Min Rate	GTD % Premium	GTD Return on $1,000	Last Change	High Comm
Featured Products
Surrender Charges Last 5 Years
Lincoln Benefit Life	Saver's Index Annuity Plus Low-Band	5		2.00	100.00	$1,104		up to 4.00%
Lincoln Benefit Life	Saver's Index Annuity Plus High-Band	5		2.00	100.00	$1,104		up to 4.00%
Reliance Standard Life	Keystone 5 Index Annuity	5		1.50	100.00	$1,077		up to 4.00%
Lincoln Financial Group	Lincoln OptiChoice 5 Low-Band [MVA]	5		1.25	91.00	$ 968		up to 5.00%
Lincoln Financial Group	Lincoln OptiChoice 5 High-Band [MVA]	5		1.25	91.00	$ 968		up to 5.00%
Surrender Charges Last 7 Years
Reliance Standard Life	Keystone 7 Index Annuity	7		2.00	100.00	$1,149		up to 5.00%
Genworth Life Ins. Co.	Secure Living Classic Low-Band	7		1.50	100.00	$1,110	12/17/08	up to 5.00%
Genworth Life Ins. Co.	Secure Living Classic High-Band	7		1.50	100.00	$1,110	12/17/08	up to 5.00%
Americo	Ultimate One Index 7	7		1.50	100.00	$1,110		up to 7.00%
Lincoln Financial Group	Lincoln OptiChoice 7 Low-Band [MVA]	7		1.50	91.00	$1,010		up to 6.00%
Lincoln Financial Group	Lincoln OptiChoice 7 High-Band [MVA]	7		1.50	91.00	$1,010		up to 6.00%
Surrender Charges Last 10 Years
Amer. General Life Ins. Co.	AIG Global Bonus Index [MVA]	10	5.00	3.00	100.00	$1,411		up to 7.00%
Reliance Standard Life	Keystone 10 Index Annuity	10		2.00	100.00	$1,219		up to 8.50%
Allianz Life	MasterDex 5 Plus Annuity [LOAN]	10	3.00-5.00	1.00	87.50	$1,015		up to 8.00%

Company	Product	SC Years	GTD Min Rate	GTD % Premium	GTD Return on $1,000	High Comm
Surrender Charges Last 3 Years
Lafayette Life	Centennial 3	3	3.00	90.00	$ 983
Surrender Charges Last 4 Years
OM Financial Life Ins. Co.	Safety Index 4 Low-Band	4	3.00	100.00	$1,126	up to 3.00%
OM Financial Life Ins. Co.	Safety Index 4 High-Band	4	3.00	100.00	$1,126	up to 3.00%
Surrender Charges Last 5 Years
West Coast Life	Index Advantage Annuity 5 Low-Band	5	2.55	100.00	$1,134	up to 4.50%
West Coast Life	Index Advantage Annuity 5 High-Band	5	2.55	100.00	$1,134	up to 4.50%

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.