Fixed Index Annuity Strategies

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Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Featured Products
Surrender Charges Last 16 Years
Amer. Equity Investment Life Ins. Co.
Bonus Gold (Index 1-07)
16 yrs (NQ) 10.00 1.50% 80.00% 10/08/11 0-75: 6.00+
76-80: 4.50+
10 Year U.S. Treasury Bond Value with Cap 1-Year Dow Jones Monthly Average Cap
1-Year Dow Jones Point-to-Point Cap 1 Year S&P 500 Annual Point-to-Point Participation Rate
Traditional Fixed Value @ 1.75% 1 Year S&P 500 Monthly Average with Cap
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1-Year S&P 500 Monthly Point-to-Point
Surrender Charges Last 15 Years
National Western Life
NWL Ultra Future
15 yrs 55 (NQ) 4.75
to 10.00 		1.00% 87.50% $1,117 08/18/11
Qualified
0-70: 5.00+
71-75: 1.50+
76-80: 0.25+
Non-Qualified
0-75: 5.00+
76-80: 3.00+
Option B: Fixed Account @ 1.90% Option D: Monthly Cap
Option A: Monthly Averaging Annual Reset
Surrender Charges Last 14 Years
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 75 10.00 2.00% 87.50% $1,270 10/24/11 0-75: 8.50+
1-Year Fixed Interest Account @ 1.50% 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation
2-Year S&P 500 Monthly Averaging Cap Account 1-Year S&P 500 Daily Average Cap
EquiTrust Life Ins. Co.
MarketTwelve Bonus
14 yrs 75 6.00 2.00% 87.50% $1,224 10/24/11 0-75: 9.00
1-Year S&P 500 Daily Average Cap 1-Year S&P 500 Monthly Cap
2-Year Monthly Average Cap 1-Year S&P 500 Point-to-Point Cap
1-Year S&P 500 Monthly Average Participation 1-Year Fixed Account @ 1.15%
Fidelity & Guaranty Life
Prosperity Elite 14 Protection
14 yrs (NQ) 9.00 1.00% 87.50% $1,096 02/02/12 0-79: 8.00
80-85: 4.00
1-Year S&P 500 Point-to-Point with a Cap 3-Year S&P 500 Point-to-Point with a Cap
Fixed Account @ 2.50% 1-Year S&P 500 Monthly Average with A Cap
2-Year S&P 500 Point-to-Point with a Cap 1-Year Performance Triggered Account
1-Year S&P 500 Monthly Point-to-Point with a Cap
Surrender Charges Last 13 Years
National Western Life
NWL Ultra Classic
13 yrs 80 (NQ)   1.00% 87.50% $ 996 08/18/11
Qualified
0-70: 10.00+
71-75: 8.00+
76-80: 7.00+
Non-Qualified
0-75: 10.00+
76-80: 8.50+
Option A: Monthly Averaging Annual Reset Option B: Fixed Account @ 2.40%
Option D: Monthly Cap Annual Reset
Surrender Charges Last 10 Years
Allianz Life Ins. Co. of North America
MasterDex 5 Plus Annuity
10 yrs 80 3.00
to 5.00 		2.00% 87.50% $1,120 02/07/12 0-75: 7.00+
76-80: 5.00+
1 Year S&P 500 Point-to-Point Cap 1 Year Fixed Interest Account @ 1.50%
1 Year S&P 500 Monthly Sum Cap 1 Year Blended Point-to-Point Cap
1 Year Blended Monthly Average Spread 1 Year Nasdaq 100 Point-to-Point Cap
1 Year FTSE 100 Point-to-Point Cap 1 Year Nasdaq 100 Monthly Sum Cap
1 Year FTSE 100 Monthly Sum Cap
Allianz Life Ins. Co. of North America
MasterDex X Annuity
10 yrs 80 6.00 1.95-2.05% 87.50% $1,136 02/07/12 0-75: 7.00+
76-80: 5.00+
1 Year Euro STOXX 50 Monthly Cap 1 Year S&P 500 Point-to-Point Cap
1 Year Fixed Interest Account @ 1.60% 1 Year S&P 500 SELECT Monthly Sum Cap
1 Year Blended Point-to-Point Cap 1 Year S&P 500 Monthly Cap
1 Year Nasdaq 100 Point-to-Point Cap 1 Year S&P 500 SELECT Annual Point-to-Point Cap
1 Year Blended Monthly Average Spread 1 Year Euro STOXX 50 Point-to-Point Cap
1 Year Nasdaq 100 Monthly Cap
Surrender Charge schedule is 10 years. Bonus fully vests in 14 years
Amer. Equity Investment Life Ins. Co.
Retirement Gold (02-09)
10 yrs (NQ) 5.00
to 8.00 		1.50% 87.50% 10/08/11 0-78: 6.00+
1 Year S&P 500 Point-to-Point Cap 1 Year S&P 500 Monthly Average Participation Rate
1 Year S&P 500 Annual Point-to-Point Participation Rate 1 Year S&P 500 Monthly Point-to-Point
Traditional Fixed Value @ 1.60% 1 Year S&P 500 Monthly Average with Cap
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -Low
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
Fixed Strategy @ 1.00% 1-Year Point-to-Point Index Strategy
1-Year Monthly Cap Index Strategy 1-Year Average Index Strategy
Aviva Life & Annuity (Income Series)
Income Preferred Bonus -High
10 yrs 78 6.00
to 8.00 		1.00% 87.50% $1,044 01/06/12 0-75: 7.00+
76-78: 5.00+
1-Year Point-to-Point Index Strategy 1-Year Monthly Cap Index Strategy
1-Year Average Index Strategy Fixed Strategy @ 1.55%
EquiTrust Life Ins. Co.
Market Ten Bonus Index
10 yrs 80 6.00 1.00% 100% $1,171 10/24/11 0-80: 6.00+
1-Year S&P 500 Monthly Cap Index Account 1-Year S&P 500 Point-to-Point Cap Index Account
1-Year S&P 500 Daily Average Cap 1-Year Interest Account @ 1.15%
1-Year S&P 500 Monthly Average Participation Index Account 2-Year S&P 500 Monthly Average Cap
Great Amer. Life Ins. Co.
Safe Return
10 yrs 85   1.00% 100% $1,105 08/22/11
Qualified
18-75: 6.50+
76-80: 5.50+
81-85: 2.50+
Non-Qualified
0-75: 6.50+
76-80: 5.50+
81-85: 2.50+
1 Year S&P 500 Annual Point-to-Point Cap Declared Rate Strategy @ 1.10%
1 Year S&P 500 Monthly Average with Cap
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -Low
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.50%
Interest Rate Benchmark Strategy Point-to-Point Cap Index Strategy
ING Annuity and Asset Sales
ING Secure Index Opportunities Plus -High
10 yrs 80 5.00 2.00% 87.50% $1,120 01/18/12 0-80: 7.00+
Monthly Cap Index Strategy Fixed Rate Strategy @ 1.50%
Interest Rate Benchmark Strategy Point-to-Point Cap Index Strategy
Phoenix Life Insurance Co.
Phoenix Personal Income Annuity
10 yrs (NQ)   1.00% 87.50% $ 967 01/01/12 0-75: 7.50
76-80: 5.00
81-85: 3.00
Fixed Account @ 0.85% 1-Year S&P 500
1-Year DJIA 1-Year Balanced Allocation
Monthly S&P 500 2-Year S&P500
1-Year Euro Stoxx 50
Phoenix Life Ins. Co. (AltiSure Group)
Premier LifeStyle Annuity (High Surrender)
10 yrs (NQ)   1.00% 87.50% $ 967 01/01/12 0-70: 7.50
71-80: 5.50
81-86: 3.50
Monthly Cap Strategy Two-Year Safety Growth Strategy
Annual Point-to-Point One-Year Safety Growth Strategy
Fixed Account @ 0.85%
Phoenix Life Ins. Co. (AltiSure Group)
Premier LifeStyle Annuity (Low Surrender)
10 yrs (NQ)   1.00% 87.50% $ 967 01/01/12 0-70: 7.50
71-80: 5.50
81-86: 3.50
One-Year Safety Growth Strategy: Annual Point-to-Point
Fixed Account @ 0.85% Monthly Cap Strategy
Two-Year Safety Growth Strategy
Phoenix Life Ins. Co. (AltiSure Group)
Secure LifeStyle Bonus Annuity (High Surrender)
10 yrs (NQ) 8.00 1.00% 87.50% $1,044 01/01/12 0-70: 6.50
71-80: 5.00
81-86: 3.00
Fixed Account @ 0.75% Monthly Cap Strategy
Annual Point-to-Point Two-Year Safety Growth Strategy
One-Year Safety Growth Strategy
Phoenix Life Ins. Co. (AltiSure Group)
Secure LifeStyle Bonus Annuity (Low Surrender)
10 yrs (NQ) 6.00 1.00% 87.50% $1,025 01/01/12 0-70: 6.50
71-80: 5.00
81-86: 3.00
Fixed Account @ 0.75% Monthly Cap Strategy
Two-Year Safety Growth Strategy One-Year Safety Growth Strategy

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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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