Product Details for MYGA Annuities

PFG Marketing Group, Inc.
Call PFG today at: (800) 944-1831
In Arizona call: (602) 944-2220
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State
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 Rate Gtd
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Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Featured Products
Surrender Charges Last 10 Years

Sentinel Security Life Insurance Company

Personal Choice Annuity 10
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:2,500
Monthly:2,500
Qualified
Single:2,500
Monthly:2,500
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

AZ CA CO HI IA ID KS MT NC ND NE NM NV OK OR SD TX UT WY 		0-80: 2.75
81-90: 2.00
Withdrawal Notes: No Premium Bonus
For states AZ, CA, CO, HI, IA, ID, KS, MT, NC, ND, NE, NM, NV, OK, SD, TX, UT, WY (10 years): 9 8 7 6 5 5 5 5 5 5
Age 60+ in states TX, UT (8 years): 8 7 6 5 4 3 2 1
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 02/13/12
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 4 2.00 4.00 4.00

EquiTrust Life Insurance Company

Certainty Select 10
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

IN MN NY OR PR UT VI WA 		0-80: 3.00
81-90: 2.25
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 9 9 8 8 7 7 6 5
For states AK, SC, TX (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5
For states CT (10 years): 10 9 8 7 6 5 4 3 2 1
Rate Changed: 01/23/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.25 1.00 3.25 3.25

ING Annuity and Asset Sales

Guarantee Choice 10

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- Long Term Care 
Yes-Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 3.25+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 01/18/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 10 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA with Bonus 10 Years 1% 3 2.00 2.10 2.10

ING Annuity and Asset Sales

Guarantee Choice 10

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- Long Term Care 
Yes-Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 3.25+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 01/18/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 2 1.50 2.00 2.00

American National Insurance Company

Palladium MYG Annuity 6

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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-6 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
6 Year MYGA 6 Years none 1.8 1.00-1.50 1.80 1.80

American National Insurance Company

Palladium MYG Annuity 6

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-79: 2.50
80-85: 0.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-6 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
6 Year MYGA 6 Years none 1.7 1.00-1.50 1.70 1.70

American General Life Insurance Company

AG HorizonSelect 5
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
Yes-Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK CA MN MO NJ NY OH OR PA PR UT VI WA 		0-80: 4.00+
81-85: 3.00+
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MS, MT, NC, ND, NE, NH, NM, OK, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1
For states DE, NV (9 years): 9 8 7 6 5 4 3 2 1
Rate Changed: 02/06/12
Guaranteed Minimum Value: 90% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 1.55 1.00 1.55 1.55

American National Insurance Company

Palladium MYG Annuity 5

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
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA with Bonus 5 Years 1% 2.1 1.10 1.30 1.30

American National Insurance Company

Palladium MYG Annuity 5

Low-Band
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY UT VI 		0-85: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
8 8 8 7 6 5 4 3 2 1
Rate Changed: 02/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00-1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA with Bonus 5 Years 1% 2 1.00 1.20 1.20
Surrender Charges Last 9 Years

ING Annuity and Asset Sales

Guarantee Choice 7

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- Long Term Care 
Yes-Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 2.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 01/18/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 7 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA with Bonus 7 Years 1% 2.5 1.50 1.64 1.64

ING Annuity and Asset Sales

Guarantee Choice 7

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- Long Term Care 
Yes-Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 2.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 01/18/12
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-7 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA 7 Years none 1.5 1.50 1.50 1.50
Surrender Charges Last 8 Years

EquiTrust Life Insurance Company

Certainty Select 8
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

IN MN NY OR PR UT VI WA 		0-80: 3.00
81-90: 2.25
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (8 years): 10 10 9 9 8 8 7 7
For states AK, SC, TX (8 years): 9 8 7 6.5 5.5 4.5 3.5 2.5
For states CT (8 years): 10 9 8 7 6 5 4 3
Rate Changed: 01/23/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 8 		Yield to SurrenderTM
Current Guarant'd
8 Year MYGA with Bonus 8 Years 1% 4 3.00 3.12 3.12
Surrender Charges Last 7 Years

Sentinel Security Life Insurance Company

Personal Choice Annuity 7
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:2,500
Monthly:2,500
Qualified
Single:2,500
Monthly:2,500
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

AZ CA CO HI IA ID KS MT NC ND NE NM NV OK OR SD TX UT WY 		0-80: 2.25
81-90: 1.50
Withdrawal Notes: No Premium Bonus
For states AZ, CA, CO, HI, IA, ID, KS, MT, NC, ND, NE, NM, NV, OK, SD, TX, WY (7 years): 9 8 7 6 5 5 5
Age 60+ in states TX, UT (7 years): 8 7 6 5 4 3 2
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 02/13/12
Product Type Rate
Guarant'd		 Bonus Rate Years
1-7 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA 7 Years none 3.7 2.00 3.70 3.70

Athene Annuity

7 MYG
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 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK MD NJ NY OR PA TX UT 		0-75: 2.75
76-UP: 1.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 7 years:
7 7 7 6 5 4 3
Rate Changed: 01/18/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 7 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA with Bonus 7 Years 1% 4.1 3.10 3.24 3.24

American Equity Investment Life Insurance Company

Guarantee 7 (SPDA-MYGA) MVA
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK AL CA DE MN MO NV NY OR PA PR VI WA 		0-75: 3.00
76-80: 2.00
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (7 years): 9 8 7 6 5 4 3
For states IN, MS (7 years): 8.25 7.25 6.5 5.5 4.5 3.75 2.75
Rate Changed: 02/07/12
Guaranteed Minimum Value: 87.5% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-7 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
7 Year MYGA 7 Years none 2.7 2.00 2.70 2.70
Surrender Charges Last 6 Years

EquiTrust Life Insurance Company

Certainty Select 6
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

IN MN NY OR PR UT VI WA 		0-80: 3.00
81-90: 2.25
Withdrawal Notes: No Premium Bonus
For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, VA, VT, WI, WV, WY (6 years): 10 10 9 9 8 8
For states AK, SC, TX (6 years): 9 8 7 6.5 5.5 4.5
For states CT (6 years): 10 9 8 7 6 5
Rate Changed: 01/23/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year MYGA with Bonus 6 Years 2% 4.5 2.50 2.83 2.83

The Standard

Focused Growth Annuity 6

High-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 2.00
81-84: 1.00
85-UP: 0.77
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 6 years:
8 7 6 5 4 3
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-6 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
6 Year MYGA 6 Years none 2.3 1.00 2.30 2.30

The Standard

Focused Growth Annuity 6

Low-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 2.00
81-84: 1.00
85-UP: 0.77
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 6 years:
8 7 6 5 4 3
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-6 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
6 Year MYGA 6 Years none 2.2 1.00 2.20 2.20
Surrender Charges Last 5 Years

Sentinel Security Life Insurance Company

Personal Choice Annuity 5
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:2,500
Monthly:2,500
Qualified
Single:2,500
Monthly:2,500
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

AZ CA CO HI IA ID KS MT NC ND NE NM NV OK OR SD TX UT WY 		0-80: 2.25
81-90: 1.50
Withdrawal Notes: No Premium Bonus
For states AZ, CA, CO, HI, IA, ID, KS, MT, NC, ND, NE, NM, NV, OK, SD, TX, UT, WY (5 years): 9 8 7 6 5
Age 60+ in states TX, UT (5 years): 8 7 6 5 4
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 02/13/12
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 3.6 2.00 3.60 3.60

American Equity Investment Life Insurance Company

Guarantee 5 (SPDA-MYGA) MVA
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Not
Available in:

AK AL CA DE MN MO NV NY PA PR VI WA 		0-75: 3.00
76-80: 2.00
Withdrawal Notes: No Premium Bonus
For states AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY (5 years): 9 8 7 6 5
For states WA (5 years): 9 8.25 7.25 6.5 5.5
For states IN, MS (5 years): 8.25 7.25 6.5 5.5 4.5
Rate Changed: 02/07/12
Guaranteed Minimum Value: 87.5% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 2.6 2.00 2.60 2.60

The Standard

Focused Growth Annuity 5

High-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 3.00
81-85: 1.50
86-UP: 1.35
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 5 years:
8 7 6 5 4
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 1.85 1.00 1.85 1.85

The Standard

Focused Growth Annuity 5

Low-Band
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:15,000
Monthly:15,000
Qualified
Single:15,000
Monthly:15,000
No- Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

NY PR VI 		0-80: 3.00
81-85: 1.50
86-UP: 1.35
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 5 years:
8 7 6 5 4
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 1.75 1.00 1.75 1.75

Great American Life Insurance Company

American Freedom Stars and Stripes 5

High-Band
Non-Qualified
Owner:89
Annuitant:89
Qualified
Owner:89
Annuitant:89
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 

Only
Available in:

CT 		0-84: 3.00
85-89: 1.80
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 5 years:
7 6 5 4 3
Rate Changed: 10/21/11
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA with Bonus 5 Years 0.25% 0.25 1.55 1.55

Americo

Platinum Assure 5
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

AK AL DE MN MS NV NY OR PA VI VT WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 5 years:
5 5 5 5 5
Rate Changed: 01/08/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-5 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA 5 Years none 1.5 1.00 1.50 1.50

Great American Life Insurance Company

American Freedom Stars and Stripes 5

Low-Band
Non-Qualified
Owner:89
Annuitant:89
Qualified
Owner:89
Annuitant:89
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  Yes-Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 

Only
Available in:

CT 		0-84: 3.00
85-89: 1.80
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 5 years:
7 6 5 4 3
Rate Changed: 10/21/11
Guaranteed Minimum Value: 100% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 5 		Yield to SurrenderTM
Current Guarant'd
5 Year MYGA with Bonus 5 Years 0.25% 0.25 1.50 1.50
Surrender Charges Last 3 Years

Fidelity & Guaranty Life

FG Guarantee-Plus 3
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 

Not
Available in:

MN NY OR PR VI WA 		0-79: 1.50
80-90: 0.75
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 3 years:
9 8 7
Rate Changed: 02/01/12
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 3 		Yield to SurrenderTM
Current Guarant'd
3 Year MYGA with Bonus 3 Years 1% 2.3 1.30 1.63 1.63

Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 10 Years

Sentinel Security Life Insurance Company

Personal Choice Annuity 10 FL
Non-Qualified
Owner:90
Annuitant:
Qualified
Owner:90
Annuitant:
Non-Qualified
Single:2,500
Monthly:2,500
Qualified
Single:2,500
Monthly:2,500
No- Disability  No- Unemployment 
No- Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
No- Nursing Home  No- Annualization 

Only
Available in:

FL 		0-80: 2.75
81-90: 2.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8 7 6 5 5 5 5 5 5
Rate Changed: 01/01/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 02/13/12
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.9 2.00 3.90 3.90

EquiTrust Life Insurance Company

Certainty 10
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Long Term Care 
No- Extended Care Waiver  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 

Only
Available in:

IN MN 		0-80: 3.00+
81-90: 2.25+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
9 8.5 8 7.5 7 6.5 6 5.5 5 4.5
Rate Changed: 01/23/12
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate Years
1-10 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
10 Year MYGA 10 Years none 3.25 2.00 3.25 3.25
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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.

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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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