Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Featured Products
Surrender Charges Last 10 Years
Allianz Life MasterDex X Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 20,000 Monthly: 20,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT NY OR PR VI WA	0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NJ, NM, OH, OK, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 8.75 7.5 6.25 5 3.75 2.5 1.25 For states PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1 For states MN, MS (10 years): 9.1 8.19 7.28 6.37 5.46 4.55 3.64 2.73 1.82 0.91
	Guaranteed Minimum Value:		87.5% of Premium at 2.50%  (GMR/1000 $1,232)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year Fixed 1-Year Fixed Rate (no bonus) 2.15% 1 Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.10 1 Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.25 1 Year Euro STOXX 50 Point-to-Point Cap DJ EuroStoxx 50 Point to Point Annual None     4.75 1 Year Euro STOXX 50 Monthly Cap DJ EuroStoxx 50 Point to Point Annual Monthly Sum     2.10 1 Year Nasdaq 100 Monthly Cap Nasdaq 100 Point to Point Annual Monthly Sum     2.30 1 Year Nasdaq 100 Point-to-Point Cap Nasdaq 100 Point to Point Annual None     4.50 1 Year Blended Point-to-Point Cap Blended Indicies Point to Point Annual None     5.25 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   2.00
American General Life Insurance Company AG Global Bonus Index Annuity	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PA PR TX UT VI VT WA	0-75: 7.00 76-80: 4.50
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 10 10 10 10 9 8 7 6 4
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,280)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% Global Multiple Index Account with Cap Blended Indicies Point to Point Annual None     3.25 Annual Point-to-Point Account with Participation Rate S&P 500 Point to Point Annual None 30   100.00 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.80
Aviva Life and Annuity Income Select Bonus Low-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: CA IN MS NJ SC TX VA	0-75: 7.00+ 76-78: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years:		10.1 8.5 7.3 6.6 5.9 5.1 4.3 2.7 1.8 0
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,193)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.00% 1-Year Multiple Index Strategy Blended Indicies Point to Point Annual Monthly     4.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     4.25 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     4.00 1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.00
Aviva Life and Annuity Income Select Bonus High-Band	Non-Qualified Owner: 78 Annuitant: 78 Qualified Owner: 78 Annuitant: 78	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: CA IN MS NJ SC TX VA	0-75: 7.00+ 76-78: 5.00+ see notes
	Withdrawal Notes:			Premium Bonus: 8.00
	Withdrawal Charges 10 years:		10.1 8.5 7.3 6.6 5.9 5.1 4.3 2.7 1.8 0
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,193)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.15% 1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index) Hang Seng Point to Point Annual None     4.50 1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®) DJ EuroStoxx 50 Point to Point Annual None     4.50 1-Year Point-to-Point Participation Index Strategy S&P 500 Point to Point Annual None 25     1-Year Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00 1-Year Point-to-Point Index Strategy S&P 500 Point to Point Annual None     5.00 1-Year Average Index Strategy S&P 500 Point to Point Annual Monthly     4.75 1-Year Multiple Index Strategy Blended Indicies Point to Point Annual Monthly     4.00
ING USA Annuity and Life ING Secure Index Opportunities Plus Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA	0-80: 7.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.60 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00
ING USA Annuity and Life ING Secure Index Opportunities Plus High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NY OR PR VI WA	0-80: 7.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states UT (10 years): 9.1 8.3 7.4 6.6 5.7 4.8 3.9 2.9 1.9 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,120)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.50% Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.00
Reliance Standard Life Keystone 10 Index Annuity	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL MN MT NY OR PR VI	0-80: 8.00 81-85: 4.80
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.15%  (GMR/1000 $981)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Interest Strategy 1-Year Fixed Rate (no bonus) 2.95% 1-Year Point-to-Point - Capped S&P 500 Point to Point Annual None     5.00 1-Year Point-to-Point - Participation Rate S&P 500 Point to Point Annual None 30     1-Year Monthly Average - Capped S&P 500 Point to Point Annual Monthly     5.50 1-Year Monthly Average - Participation Rate S&P 500 Point to Point Annual Monthly 40
Surrender Charges Last 8 Years
Lincoln Financial Group Lincoln OptiPoint 8 Low-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MN NY OR UT	0-75: 3.00 76-80: 2.00 81-85: 1.00 see notes
	Withdrawal Notes:			Premium Bonus: 2.00
	Withdrawal Charges 8 years:		9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		100% of Premium at 1.60%  (GMR/1000 $1,158)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.10% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 Performance Triggered S&P 500 Perf Trig Annual None
Lincoln Financial Group Lincoln OptiPoint 8 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MN NY OR UT	0-75: 3.00 76-80: 2.00 81-85: 1.00 see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 8 years:		9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		100% of Premium at 1.60%  (GMR/1000 $1,169)
	Account Name Indicie Type Reset Averaging Part Spread Cap Performance Triggered S&P 500 Perf Trig Annual None       2-Year Point to Point S&P 500 Point to Point Biennial None     8.45 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     2.50 Fixed 1-Year Fixed Rate (no bonus) 2.10%
RBC Insurance RBC Enhanced Choice 8 SPDA	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  Yes-Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE HI MN NJ NY OK OR PA PR UT VI	0-75: 6.00+ 76-80: 4.50+ 81-85: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 2.00
	For states AL, AR, AZ, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (8 years): 10 9 8 7 6 5 4 2 For states CA, WA (8 years): 9 8 7 6 5 4 3 2 Withdrawal Charges 8 years: 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $966)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.05% +1.00 Bonus 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 4.50 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum 100 0.00 2.00 1-Year DJIA Quarterly Additive Point-to-Point Indexed Account DJIA Point to Point Annual Quarterly Sum 100 0.00 2.50 1-Year DJIA Monthly Average Indexed Account DJIA Point to Point Annual Monthly 100   5.00
Surrender Charges Last 7 Years
Americo Ultimate One Index 7	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL MS NY OR VI VT	0-80: 7.00 81-85: 5.00 see notes
	Withdrawal Notes:			No Premium Bonus
	For states AR, AZ, CO, DC, DE, GA, HI, IA, ID, KS, KY, LA, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, VA, WI, WV, WY (7 years): 9 8 7 6 5 3.8 3.8 For states CA, IL, IN, MA, MD, PA, UT (7 years): 8.4 7.5 6.6 5.6 4.7 3.8 2.8 For states CT, FL (7 years): 9 8.5 8 7 6 5 3.8 For states MN (7 years): 8.4 7.5 6.6 5.6 4.7 3.8 2.8 For states WA (7 years): 8.4 8.3 7.3 6.3 5.2 4.2 3.2
	Guaranteed Minimum Value:		100% of Premium at 1.50%  (GMR/1000 $1,110)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.75% Monthly Averaging with Cap S&P 500 Point to Point Annual Monthly     5.00 Point-to-Point with Participation S&P 500 Point to Point Annual None 28     Point-to-Point with Cap S&P 500 Point to Point Annual None 100   4.50 Monthly Averaging with Participation Rate S&P 500 Point to Point Annual Monthly 45
ING USA Annuity and Life ING Secure Index Seven Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI	0-80: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 10 10 10 10 9 8 7 For states CT (7 years): 10 9 8 7 6 5 4 Ages 0 to 55 in states WA (7 years): 12 11 10 10 9 8 7 Age 56+ in states WA (7 years): 8 7 6.5 5.5 4.5 3.5 2.5 Ages 0 to 55 (7 years): 10 10 10 10 9 8 7 Age 56+ in states AK, DE, NJ, PA, UT (7 years): 9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,072)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.80% Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     1.85 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     4.00
ING USA Annuity and Life ING Secure Index Seven High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI	0-80: 5.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 10 10 10 10 9 8 7 For states CT (7 years): 10 9 8 7 6 5 4 Ages 0 to 55 in states WA (7 years): 12 11 10 10 9 8 7 Age 56+ in states WA (7 years): 8 7 6.5 5.5 4.5 3.5 2.5 Ages 0 to 55 (7 years): 10 10 10 10 9 8 7 Age 56+ in states AK, DE, NJ, PA, UT (7 years): 9 8 7 6 5 4 3
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,072)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     5.00 Monthly Cap Index Strategy S&P 500 Point to Point Annual Monthly Sum     2.30 Fixed Rate Strategy 1-Year Fixed Rate (no bonus) 1.80%
Surrender Charges Last 5 Years
Allianz Life Endurance Elite	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  Yes-Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  Yes-Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI WA	0-75: 5.00 76-80: 3.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 5 years:		8 7 6 5 4
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $920)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 2.50% 1-Year S&P 500 Monthly Sum Cap S&P 500 Point to Point Annual Monthly Sum     2.40 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     5.75 1-Year Blended Point-to-Point Blended Indicies Point to Point Annual None     6.25 1 Year Blended Monthly Average Spread Blended Indicies Point to Point Annual Monthly   2.00   1-Year Nasdaq 100 Point-to-Point Nasdaq 100 Point to Point Annual None     5.50 1-Year Nasdaq 100 Monthly Sum Cap Nasdaq 100 Point to Point Annual Monthly Sum     3.00 1-Year Euro STOXX 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     6.00 1-Year Euro STOXX 50 Monthly Sum DJ EuroStoxx 50 Point to Point Annual Monthly Sum     2.40

Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 17 Years
American Equity Investment Life Insurance Company Bonus Gold (Index-1-05 & Index-7-05-OK)	Non-Qualified Owner: 80 Annuitant: Qualified Owner: 80 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: DE OK	0-75: 8.20+ 76-80: 6.15+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states DE (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2 For states OK (17 years): 20 19.5 19 18.5 18 17.5 17 16.5 15.5 14 12.5 11 9 7 5 3 2 Age 79+ in states OK (17 years): 20 19.5 19 18.5 18 17 16 15 13.5 12 10 8 6 4 2 0 0
	Guaranteed Minimum Value:		84% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 3.30% S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 S&P 500 Monthly Average w/ PR S&P 500 Point to Point Annual Monthly 35     S&P 500 Monthly Average w/ CAP S&P 500 Point to Point Annual Monthly     5.75 S&P 500 Annual Point-to-Point w/ PR S&P 500 Point to Point Annual None 25     S&P 500 Annual Point-to-Point w/ CAP S&P 500 Point to Point Annual None     5.75 Lehman Brothers U.S. Aggregate Annual Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00 Dow Jones Annual Monthly Average DJIA Point to Point Annual Monthly     5.75 Dow Jones Annual Point-to-Point DJIA Point to Point Annual None     5.75
Surrender Charges Last 16 Years
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07)	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OK OR PR TX UT VI WA	0-75: 6.00+ 76-80: 4.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 16 years:		20 19.5 19 18.5 18 17.5 17 16 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		84% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Value 1-Year Fixed Rate (no bonus) 2.70% 1-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Annual Monthly     5.75 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.75 1-Year S&P 500 Point-to-Point PR S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     5.75 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     5.75 1-Year Lehman U.S. Aggregate Point-to-Point LB US Aggregate Bond Point to Point Annual None     4.00
Surrender Charges Last 15 Years
Life of the Southwest SecurePlus Accumulator 5	Non-Qualified Owner: 65 Annuitant: 65 Qualified Owner: 65 Annuitant: 65	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AL CT GA IL MN NJ NY OR PA PR UT VI WA	0-70: 7.00+ 71-75: 6.00+ 76-80: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 15 years:		14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.45%  (GMR/1000 $1,321)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Interest Account 1-Year Fixed Rate with Bonus 2.45% +5.00 Bonus Ending Index Account S&P 500 Point to Point Annual None 100   5.00 Average Index Account S&P 500 Point to Point Annual Monthly 40   100.00
Life of the Southwest SecurePlus Platinum	Non-Qualified Owner: 62 Annuitant: 62 Qualified Owner: 62 Annuitant: 62	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT NJ NY OR PR VI WA	0-70: 10.00+ 71-75: 9.00+ 76-80: 8.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 15 years:		14 14 13 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.45%  (GMR/1000 $1,258)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Interest Account 1-Year Fixed Rate (no bonus) 2.50% Average Index Account S&P 500 Point to Point Annual Daily 40   100.00 Ending Index Account S&P 500 Point to Point Annual None 100   5.60
National Western Life Liberty Champion	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Only Available in: WY	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qual 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 15 years:		20 20 20 20 20 20 18 16 14 12 10 8 6 4 2
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.25% Option D: Annual Reset with Monthly Cap S&P 500 Point to Point Annual Monthly Sum     1.20 Option A: Annual Reset with Monthly Averaging S&P 500 Point to Point Annual Monthly 50 1.35
National Western Life NWL Ultra Future	Non-Qualified Owner: 85 Annuitant: 80 Qualified Owner: 85 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT MS NY OR TX	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qual 0-75: 7.00+ 76-80: 5.00+ see notes
	Withdrawal Notes:			Prem Bonus: 2.00-10.00
	Ages 0 to 46 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2 For states DE, IL, IN, MA, MN, NJ, PA, UT, WA (9 years): 9.25 8.25 7.25 6.25 5 4 3 2 1 Ages 47 to 47 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 19 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10 8 6 4 2 Ages 48 to 48 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 18.25 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 8 6 4 2 Ages 49 to 49 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 17.5 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8 6 4 2 Ages 50 to 50 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 16.75 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2 Ages 51 to 51 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4 2 Ages 52 to 52 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2 Ages 53 to 53 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 Ages 54 to 54 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75 Ages 55 to 55 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 14.25 13.5 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2 Ages 56 to 56 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 15.25 14.5 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2 Ages 57 to 57 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 16.25 15.25 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2 Ages 58 to 58 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 17.25 16.25 15.5 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Ages 59 to 59 in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 18.25 17.25 16.5 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2 Age 60+ in states AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, VA, VT, WI, WV, WY (15 years): 19.25 18.5 17.75 16.75 16 15.25 14.5 13.5 12.75 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,203)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Account 1-Year Fixed Rate (no bonus) 2.90% Option A: Monthly Averaging Annual Reset S&P 500 Point to Point Annual Monthly 50 0.85   Option D: Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.30
Surrender Charges Last 14 Years
EquiTrust Life Insurance Company Market Power Bonus Index	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 30,000 Monthly: 30,000 Qualified Single: 30,000 Monthly: 30,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT DE MN NY OR PR TX UT VI WA	0-80: 8.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	For states AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WI, WV, WY (14 years): 20 20 19 19 18 17 16 14 12 10 8 6 4 2 For states IL (10 years): 17 16 15 15 14 13 12 11 10 9.5 For states AK (10 years): 17 15 14 12 10 9 7 4 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,106)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00% 1-Year S&P 500 Daily Average Cap S&P 500 Point to Point Annual Daily     5.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00 2-Year S&P 500 Monthly Averaging Cap Account S&P 500 Point to Point Biennial Monthly     12.00 1 Year S&P 500 Monthly Average Participation S&P 500 Point to Point Annual Monthly 40     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.00
National Western Life NWL Ultra Benefit	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE FL IL IN MA MN MS NJ NY OR PA UT WA	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qual 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Withdrawal Notes:			Prem Bonus: 4.00-5.00
	Ages 0 to 49 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2 Ages 50 to 50 in states AR, AZ, CA, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8 6 4 2 For states TX (14 years): 11.75 11 10 9.25 8.25 7.5 6.5 5.75 4.75 3.75 3 2.25 1.5 0.75 Ages 51 to 51 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15.75 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6 4 2 Ages 52 to 52 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4 2 Ages 53 to 53 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 14.25 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2 Ages 54 to 54 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 13.25 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 Ages 55 to 55 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 12.5 11.75 10.75 10 9 8.25 7.25 6.5 5.5 4.5 3.75 2.75 1.75 0.75 Ages 56 to 56 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 13.5 12.5 11.75 11 10 9.25 8.25 7.5 6.5 5.5 4.75 3.75 2.75 2 Ages 57 to 57 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WY (14 years): 14.5 13.5 12.75 11.75 11 10.25 9.25 8.5 7.5 6.5 5.75 4.75 4 2 Ages 58 to 58 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 15.25 14.5 13.75 12.75 12 11.25 10.25 9.5 8.5 7.75 6.75 6 4 2 Ages 59 to 59 in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 15.5 14.75 14 13 12.25 11.25 10.5 9.75 8.75 8 6 4 2 Age 60+ in states AR, AZ, CA, CO, DC, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, PR, RI, SC, SD, TN, VA, VI, VT, WI, WV, WY (14 years): 16 16 15.75 15 14 13.25 12.5 11.5 10.75 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,132)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option B: Fixed Interest Rate 1-Year Fixed Rate (no bonus) 1.85% Option A: Monthly Average Annual Reset S&P 500 Point to Point Annual Monthly 50 1.35   Option D: Monthly Cap Annual Reset S&P 500 Point to Point Annual Monthly Sum     1.20
North American Company Charter 14	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN NY OR PR UT VI WA	0-75: 7.50+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 14 years:		18 18 17 15 15 15 15 14 12 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,122)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.15% 1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.20 1-Year S&P 500 Annual Daily Average S&P 500 Point to Point Annual Daily     4.50 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.15 1-Year Nasdaq-100 Annual Point-to-Point Nasdaq 100 Point to Point Annual None 100 0.00 3.70 1-Year NASDAQ-100 Monthly Point-to-Point Nasdaq 100 Point to Point Annual Monthly Sum     2.10 1-Year Dow Jones Annual Daily Average DJIA Point to Point Annual Daily     4.30 1-Year Dow Jones Annual Point-to-Point DJIA Point to Point Annual None 100   4.00 1-Year Russell 2000 Annual Daily Average Russell 2000 Point to Point Annual Daily     3.90 1-Year Russell 2000 Annual Point-to-Point Russell 2000 Point to Point Annual None     3.80 1-Year Dow Jones EuroStoxx 50 Point-to-Point DJ EuroStoxx 50 Point to Point Annual None     4.00 1-Year Hindsight Index Strategy Blended Indicies Point to Point Annual None     3.45 1-Year S&P 400 Annual Daily Average S&P 400 Point to Point Annual Monthly     3.90 1-Year S&P 400 Annual Point-to-Point S&P 400 Point to Point Annual None 100 0.00 3.85
North American Company Freedom Choice (5%) 14 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK AL CT DE MN MT NV NY OR PA PR UT VA VI VT WA	0-75: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		9 9 9 9 8 8 7 7 6 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.10%  (GMR/1000 $1,020)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 3.55% 1-Year Annual Point-to-Point S&P 500 S&P 500 Point to Point Annual None     7.15 1-Year Monthly Point-to-Point S&P 500 S&P 500 Point to Point Annual Monthly Sum     7.15 1-Year Annual Point-to-Point DJIA DJIA Point to Point Annual None     7.05 1-Year Annual Point-to-Point DJ EuroSTOXX 50 DJ EuroStoxx 50 Point to Point Annual<