Fixed Indexed Annuities

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Company - Any - Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Annexus (Amer. Investors Life) Annuity Investors Life (Great Amer. Life) Assurity Life Aviva Life & Annuity Aviva Life and Annuity Dearborn National EquiTrust Life Ins. Co. Forethought Financial Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. Guaranty Income Life ING USA Annuity and Life Integrity Life Insurance John Hancock Life of the Southwest Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Loyal American Life MetLife Investors Ins. Co. Minnesota Life National Integrity Life Ins. National Western Life North American Company OM Financial Life Ins. Co. Pacific Life Presidential Life Principal Financial Group Protective Life And Annuity Protective Life Corporation RBC Insurance Reliance Standard Life ReliaStar Life Ins. Co. of NY Sun Life Financial Sun Life Ins. and Annuity of New York Symetra Life Insurance Co. The Hartford Transamerica Life United of Omaha West Coast Life Western National Life Ins. Co.

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Company / Product	SC Years	Issue Age	Premium Bonus	Min Rate	% Premium	Return per $1000	Last Change	Commissions Age: Rate
Surrender Charges Last 17 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index-1-05 & Index-7-05-OK)	17 yrs	(NQ)	10.00%	3.00%	87.50%		11/04/09	0-75: 8.20+ 76-80: 6.15+ see notes
	Fixed @ 3.10% S&P 500 Monthly Point-to-Point S&P 500 Monthly Average w/ PR S&P 500 Monthly Average w/ CAP S&P 500 Annual Point-to-Point w/ PR S&P 500 Annual Point-to-Point w/ CAP Lehman Brothers U.S. Aggregate Annual Point-to-Point Dow Jones Annual Monthly Average Dow Jones Annual Point-to-Point
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co. Bonus Gold (Index 1-07)	16 yrs	80	10.00%	3.00%	87.50%		11/04/09	0-75: 6.00+ 76-80: 4.50+ see notes
	Fixed Value @ 3.10% 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap 1-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Average PR 1-Year Lehman U.S. Aggregate Point-to-Point 1-Year Dow Jones Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap
Surrender Charges Last 15 Years
Life of the Southwest SecurePlus Accumulator 5	15 yrs	65	5.00%	2.45%	87.50%	$1,321	03/01/10	0-70: 7.00+ 71-75: 6.00+ 76-80: 4.00+ see notes
	Declared Interest Account @ 3.15% Ending Index Account Average Index Account
Life of the Southwest SecurePlus Platinum	15 yrs	62		2.45%	87.50%	$1,258	02/22/10	0-70: 10.00+ 71-75: 9.00+ 76-80: 8.00+ see notes
	Average Index Account Ending Index Account Declared Interest Account @ 3.30%
Loyal American Life Loyal Generation -Low	15 yrs	85	7.50%	3.00%	87.50%	$1,465	11/09/09	18-75: 7.25+ 76-80: 4.85+ 81-85: 3.25+ see notes
	Purchase Payment Account @ 2.00% Declared Rate Strategy @ 2.00% S&P 500 Annual Point-to-Point S&P 500 Daily Average S&P 500 Monthly Average S&P 500 Monthly Average with No Cap
Loyal American Life Loyal Generation -High	15 yrs	85	7.50%	3.00%	87.50%	$1,465	11/09/09	18-75: 7.25+ 76-80: 4.85+ 81-85: 3.25+ see notes
	S&P 500 Annual Point-to-Point S&P 500 Daily Average S&P 500 Monthly Average S&P 500 Monthly Average with No Cap Purchase Payment Account @ 2.00% Declared Rate Strategy @ 2.00%
National Western Life Liberty Champion	15 yrs	85	5.00%				02/21/10	Qualified 0-70: 9.25+ 71-75: 7.75+ Non-Qualified 0-70: 9.25+ 71-80: 7.75+ 81-85: 5.50+ see notes
	Fixed @ 2.85% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging
National Western Life NWL Ultra Future	15 yrs	80	10.00%	2.00%	87.50%	$1,295	02/21/10	Qualified 0-70: 7.00+ 71-75: 3.50+ 76-80: 2.00+ Non-Qualified 0-75: 7.00+ 76-80: 5.00+ see notes
	Option B: Fixed Account @ 3.40% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap
Surrender Charges Last 14 Years
Amer. Equity Investment Life Ins. Co. Retirement Gold (02-09)	14 yrs	78	10.00%	2.25%	87.50%		11/04/09	0-78: 6.00+ see notes
	Fixed @ 2.90% S&P 500 Monthly Average w/ Participation S&P 500 Monthly Average w/ Cap S&P 500 Point-to-Point w/ Participation S&P 500 Point-to-Point w/ Cap S&P 500 Monthly Cap
Annuity Investors Life (Great Amer. Life) FlexMax 14	14 yrs	80	5.00%	2.00%	90.00%	$1,247	01/21/10	Qualified 18-55: 8.00+ 56-70: 4.75+ Non-Qualified 0-55: 8.00+ 56-70: 4.75+ 71-80: 3.95+ see notes
	Declared Rate Strategy @ 2.50% 1 Year S&P 500 Annual Point-to-Point
EquiTrust Life Ins. Co. Market Power Bonus Index	14 yrs	80	10.00%	3.00%	87.50%	$1,456	03/12/10	0-80: 8.50+ see notes
	1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Point-to-Point Cap 2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Monthly Cap 1 Year S&P 500 Monthly Average Participation 1-Year Interest Account @ 2.85%
EquiTrust Life Ins. Co. MarketTwelve Bonus	14 yrs	(NQ)	6.00%	3.00%	87.50%	$1,403	03/12/10
	Fixed @ 2.60% 1-Year S&P 500 Point-to-Point w/Cap 1-Year S&P 500 Daily Average w/ Cap 1-Year S&P 500 Monthly Average w/Participation 1-Year S&P 500 Monthly Cap 2-Year Monthly Average Cap
National Western Life NWL Ultra Benefit	14 yrs	(NQ)	5.00%	2.00%	87.50%	$1,212	02/21/10	Qualified 0-70: 8.00+ 71-75: 5.50+ 76-80: 3.50+ 81-85: 1.00+ Non-Qualified 0-75: 8.00+ 76-80: 6.00+ 81-85: 3.50+ see notes
	Option A: Monthly Average Annual Reset Option D: Monthly Cap Annual Reset Fixed @ 2.50%
Surrender Charges Last 13 Years
National Western Life NWL Ultra Classic	13 yrs	80		2.00%	87.50%	$1,132	02/21/10	Qualified 0-70: 12.00+ 71-75: 10.00+ 76-80: 9.00+ Non-Qualified 0-75: 12.00+ 76-80: 10.50+ see notes
	Option B: Fixed Account @ 3.80% Option A: Monthly Averaging Annual Reset Option D: Monthly Cap Annual Reset
Surrender Charges Last 12 Years
Amer. Equity Investment Life Ins. Co. Income Gold (Index 3-07)	12 yrs	80	5.00%	3.00%	87.50%		11/04/09	0-75: 5.63+ 76-80: 4.22+ see notes
	Fixed Account @ 3.10% 1-Year S&P 500 Monthly Average PR 1-Year S&P 500 Monthly Average Cap 1-Year S&P 500 Point-to-Point PR 1-Year S&P 500 Monthly Point-to-Point Cap 1-Year S&P 500 Point-to-Point Cap 1-Year Lehman U.S. Aggregate Point-to-Point Cap 1-Year Dow Jones Monthly Average Cap 1-Year Dow Jones Point-to-Point Cap
Amer. General Life Ins. Co. AG HorizonIndex Annuity 12	12 yrs	85	5.00%	2.00%	90.00%	$1,198	03/05/10	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Fixed Interest Account @ 2.80% Monthly Additive Account with Cap 2-Year Point-to-Point Account with Cap
Annuity Investors Life (Great Amer. Life) FlexMax 12	12 yrs	85		2.00%	90.00%	$1,141	01/21/10	Qualified 18-60: 9.25+ 61-70: 6.75+ Non-Qualified 0-60: 9.25+ 61-85: 6.75+ see notes
	Declared Rate Strategy @ 2.50% 1 Year S&P 500 Annual Point-to-Point
Lincoln Financial Group Lincoln OptiPoint 12 -Low	12 yrs	75	4.00%	2.00%	100%	$1,319	03/01/10	0-75: 8.00+ see notes
	Fixed @ 2.55% Performance Triggered 2-Year Monthly Cap 2-Year Point to Point
Lincoln Financial Group Lincoln OptiPoint 12 -High	12 yrs	75	5.00%	2.00%	100%	$1,332	03/01/10	0-75: 8.00+ see notes
	2-Year Point to Point 2-Year Monthly Cap Performance Triggered Fixed @ 2.55%
National Western Life Liberty Challenge	12 yrs	85 (NQ)	2.00%				02/21/10	Qualified 0-70: 9.00+ 71-75: 8.00+ Non-Qualified 0-70: 9.00+ 71-80: 8.00+ 81-85: 6.25+ see notes
	Fixed @ 2.85% Option D: Annual Reset with Monthly Cap Option A: Annual Reset with Monthly Averaging

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