Indexed Annuity Detail Sheet

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 12 Years
American Equity Investment Life Insurance Company Bonus 5 (INDEX-3-07-WA)	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: WA	0-57: 6.00+ 58-80: 4.00+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Withdrawal Charges 12 years: 12 12 11 10 9 8 7 6 5 4 3 2 Age 57+ (12 years): 8.25 8.25 7.25 6.25 5.25 4.25 3 2 1 0.5 0 0
	Guaranteed Minimum Value:
	Account Name Indicie Type Reset Averaging Part Spread Cap 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 S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.60 Fixed 1-Year Fixed Rate (no bonus) 2.70%
American Equity Investment Life Insurance Company Income Gold (Index 3-07)	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: AL CT DE MN NY OR PR TX UT VI WA	0-75: 5.63+ 76-80: 4.22+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		15 14 13 12 11 10 8.5 7 5.5 4 2.5 1
	Guaranteed Minimum Value:		87.5% of Premium at 3.00%
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Average PR S&P 500 Point to Point Annual Monthly 35     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 PR S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     5.75 Fixed Account 1-Year Fixed Rate (no bonus) 2.70% 1-Year Lehman U.S. Aggregate Point-to-Point Cap LB US Aggregate Bond Point to Point Annual None     4.00 1-Year Dow Jones Monthly Average Cap DJIA Point to Point Annual Monthly     5.75 1-Year Dow Jones Point-to-Point Cap DJIA Point to Point Annual None     5.75
American General Life Insurance Company AG HorizonIndex Annuity 12	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- 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 MN NJ NY OK OR PR TX UT VI VT WA	0-75: 8.00+ 76-80: 4.00+ 81-85: 2.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 12 12 12 12 11 10 9 8 7 5 3
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,198)
	Account Name Indicie Type Reset Averaging Part Spread Cap Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     2.20 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     9.00 Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.00%
Great American Life Insurance Company American Valor II	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 20,000 Monthly: 20,000	No- Disability  No- Unemployment  No- 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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT NY PR VI	Qualified 18-75: 6.50+ 76-80: 5.35+ 81-85: 3.60+ Non-Qual 0-75: 6.50+ 76-80: 5.35+ 81-85: 3.60+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	Age 58+ (10 years): 10 9 8 7 6 5 4 3 2 1 Ages 0 to 57 (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00-2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None 100   5.50 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     6.00 Declared Rate Strategy 1-Year Fixed Rate (no bonus) 2.30%
Life of the Southwest SecurePlus Elite	Non-Qualified Owner: Annuitant: Qualified Owner: 70 Annuitant: 70	Non-Qualified Single: 3,000 Monthly: 3,000 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  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT IL MA ME MN NJ NY OR PA PR UT VI WA WY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.95%  (GMR/1000 $1,135)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Interest Account 1-Year Fixed Rate (no bonus) 2.10% Average Index Account S&P 500 Point to Point Annual Daily 35   100.00 Ending Index Account S&P 500 Point to Point Annual None 100   4.60
Life of the Southwest SecurePlus Premier 8	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- 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  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: CT IN MT NJ NV NY OR PR UT VI WA	0-75: 8.00+ 76-80: 5.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 12 years:		10 10 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.95%  (GMR/1000 $1,169)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Fixed Account 1-Year Fixed Rate (no bonus) 1.95% S&P 500 Ending Index Rate Option 1 S&P 500 Point to Point Annual None 100   3.75 S&P 500 Ending Index Rate Option 2 S&P 500 Point to Point Annual None 50   3.95 1-Year S&P 500 Average S&P 500 Point to Point Annual Daily 30     Russell 2000 Ending Index Rate Option 1 Russell 2000 Point to Point Annual None 100   3.75 Russell 2000 Ending Index Rate Option 2 Russell 2000 Point to Point Annual None 50   3.95
Lincoln Financial Group Lincoln OptiPoint 12 Low-Band	Non-Qualified Owner: 75 Annuitant: 75 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  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 CT DE MN NY OR TX UT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,319)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.35% Performance Triggered S&P 500 Perf Trig Annual None       2-Year Point to Point S&P 500 Point to Point Biennial None     9.35 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     3.40
Lincoln Financial Group Lincoln OptiPoint 12 High-Band	Non-Qualified Owner: 75 Annuitant: 75 Qualified Owner: 75 Annuitant: 75	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: AK CT DE MN NY OR TX UT WA	0-75: 8.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 2.00%  (GMR/1000 $1,332)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.35% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     3.40 2-Year Point to Point S&P 500 Point to Point Biennial None     9.35 Performance Triggered S&P 500 Perf Trig Annual None
RBC Insurance RBC Enhanced Choice 12 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 TX UT VI WA	0-75: 8.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	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 (12 years): 14 13 12 11 10 9 8 7 6 5 4 3 For states CA (12 years): 12 11 10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate with Bonus 1.20% +1.00 Bonus 1-Year DJIA Quarterly Additive Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum 100 0.00 2.50 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly 100 0.00 5.00 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 S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None 100 0.00 4.50
Surrender Charges Last 10 Years
Aviva Life & Annuity MultiChoice Advantage 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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MO MS MT NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-79: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4	Rate Changed: 07/02/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 2.35% +5.00 Bonus
Aviva Life and Annuity Income Preferred Ultra 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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MO MS MT NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states TX (10 years): 14.2 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5			Rate Changed: 07/02/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 2.35%
Aviva Life & Annuity MultiChoice Advantage 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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MO MS MT NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-79: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		16 15 14 13 12 11 10 8 6 4	Rate Changed: 07/02/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.75% +5.00 Bonus
Aviva Life and Annuity Income Preferred Ultra 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  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CA CT DE IN MN MO MS MT NJ NY OR PA PR SC UT VA VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CO, DC, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, NC, ND, NE, NH, NM, NV, OH, OK, RI, SD, TN, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states TX (10 years): 14.2 13.5 12.1 10.6 9.2 7.7 6.2 4.7 3.1 1.5			Rate Changed: 07/02/10
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate (no bonus) 1.75%
American National Insurance Company Value Lock 10	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 4,000 Monthly: 4,000	Yes-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  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: MA MN ND NJ NY OR PR VI VT	0-75: 10.00 76-80: 8.00
	Withdrawal Notes:			Premium Bonus: 3.00
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, PA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 07/01/10
	Guaranteed Minimum Value:		90% of Premium at 1.75%  (GMR/1000 $1,103)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap S&P 500 10 Year Point-to-Point S&P 500 Point to Point 10-year Monthly 100
Allianz Life MasterDex 10	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  Yes-Flex. Annuity Option  No- 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	Only Available in: CA CT PA	0-75: 9.00+ 76-85: 7.00+ see notes
	Withdrawal Notes:			Prem Bonus: 10.00
	Withdrawal Charges 10 years:
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%  (GMR/1000 $1,117)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 3.00% 1-Year SP 500 Monthly Point to Point S&P 500 Point to Point Annual Monthly Sum     3.10 1-Year Nasdaq-100 Monthly Point to Point Nasdaq 100 Point to Point Annual Monthly Sum     3.10
EquiTrust Life Insurance Company Market Value 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: NY OR PR TX VI	0-80: 7.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, 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 (10 years): 12 12 12 12 11 10 8 6 4 2 For states AK, CT, MN, UT, WA (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year Fixed 1-Year Fixed Rate (no bonus) 2.85% 2-Year S&P 500 Monthly Average Cap S&P 500 Point to Point Biennial Monthly     18.00 1-Year S&P 500 Monthly Averaging w/ Participation S&P 500 Point to Point Annual Monthly 50     1-Year S&P 500 Monthly Cap S&P 500 Point to Point Annual Monthly Sum     2.60 1-Year S&P 500 Point-to-Point S&P 500 Point to Point Annual None     6.00 1-Year S&P 500 Monthly Average S&P 500 Point to Point Annual Monthly     7.00
Life of the Southwest SecurePlus Accumulator 3	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 25,000 Monthly: 25,000 Qualified Single: 25,000 Monthly: 25,000	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: AK AL IL MA MN NJ NY OR PA PR UT VI WA	0-75: 5.00+ 76-80: 3.75+ 81-85: 2.25+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 2.45%  (GMR/1000 $1,148)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Interest Account 1-Year Fixed Rate with Bonus 2.45% +3.00 Bonus Ending Index Account S&P 500 Point to Point Annual None 100   4.00 Average Index Account S&P 500 Point to Point Annual Daily 30   100.00
Life of the Southwest SecurePlus Gold (After 4/21/2006)	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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 NJ NY OR PR VI	0-75: 7.00+ 76-80: 6.00+ 81-85: 4.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, 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 9 8 7 6 5 4 3 2 1 Ages 1 to 58 in states UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1 Age 59+ in states UT, WA (9 years): 8 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 1.95%  (GMR/1000 $1,092)
	Account Name Indicie Type Reset Averaging Part Spread Cap Declared Interest Account 1-Year Fixed Rate (no bonus) 2.05% Ending Index Account S&P 500 Point to Point Annual None 100   4.50 Average Index Account S&P 500 Point to Point Annual Daily 33   100.00
Lincoln Financial Group Lincoln OptiPoint 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 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  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 MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	Withdrawal Notes:			Premium Bonus: 3.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.80%  (GMR/1000 $1,231)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate (no bonus) 2.35% 2-Year Monthly Cap S&P 500 Point to Point Biennial Monthly Sum     3.40 2-Year Point to Point S&P 500 Point to Point Biennial None     9.35 Performance Triggered S&P 500 Perf Trig Annual None
OM Financial Life Insurance Company OM Index-Escalator 10	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  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  No- Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY OR PR VI WA	0-79: 6.50+ 80-85: 3.25+ see notes
	Withdrawal Notes:			Premium Bonus: 1.00
	For states AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, 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, WI, WV, WY (10 years): 14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 For states AK, CT, MN, UT (10 years): 9 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $976)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 2.25% 1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.75 1-Year S&P 500 Monthly Averaging S&P 500 Point to Point Annual Monthly     4.50 1-Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     4.25

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