Indexed Annuity Detail Sheet

State - AK 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 NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Premium Qual Flex? Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR Company - Any - Allianz Life Ins. Co. of North America Amer. Equity Investment Life Ins. Co. Amer. General Life Ins. Co. American National Ins. Co. Aviva Life & Annuity (Income Series) Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York First Symetra Nat’l Life Ins Co of NY Forethought Financial Genworth Life and Annuity Ins. Co Genworth Life Ins. Co. Genworth Life of New York Great Amer. Life Ins. Co. ING Annuity and Asset Sales Liberty Life Insurance Co. Life of the Southwest Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York National Integrity Life Ins. North American Company Phoenix Life Insurance Co. Presidential Life Principal Financial Group Protective Life And Annuity (NY) Protective Life Corporation ReliaStar Life Ins. Co. Symetra Life Insurance Co. United States Life Ins. Co. (NY) SC yrs - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Age Comm % More Search Options Product Type - Point to Point High Water Low Water Performance Triggered Inverse Perf Triggered Monthly Crediting Other Averaging - None Daily Monthly Annual Monthly Sum Quarterly Sum Continuous Monthly Reset Period - Policy Length 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years Indicie - DJIA Nasdaq 100 S&P 400 S&P 500 FTSE 100 Russell 2000 10 Year US Treasury DJ EuroStoxx 50 Hang Seng Nikkei 225 3-Month LIBOR Barclays Capital U.S. Aggregat Gold Strategies HFRX Global Hedge Fund iShares Barclays Aggregate Bon iShares MSCI Hong Kong Index LB US Aggregate Bond London Gold PM MSCI All Country World Index S&P GSCI Excess Return Index U.S. 10-Year Swap Rate

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 14 Years
Fidelity & Guaranty Life FG AccumulatorPlus 14	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	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: AK AL CT MA MN MS NC NH NV NY OK OR PR TX UT VI WA	0-85: 7.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.90 1 Year S&P 500 Point-to-Point with Cap S&P 500 Point to Point Annual None     6.00 1-Year Fixed Account 1-Year Fixed Rate (no bonus) 3.00% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     6.25 1 Year Index Gain Option with Declared Rate S&P 500 Perf Trig Annual None
Fidelity & Guaranty Life Prosperity Elite 14	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA	0-79: 8.00 80-85: 4.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,006)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00 Fixed Account 1-Year Fixed Rate (no bonus) 2.50%
Fidelity & Guaranty Life Prosperity Elite 14 Enhanced	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA	0-79: 8.00 80-85: 4.00
	Withdrawal Notes:			Premium Bonus: 6.00
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,066)
	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 Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00
Fidelity & Guaranty Life Prosperity Elite 14 Protection	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  Yes-Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK CT MA MN MS NH NV NY OK OR PR TX UT VI WA	0-79: 8.00 80-85: 4.00
	Withdrawal Notes:			Premium Bonus: 9.00
	Withdrawal Charges 14 years:		14.75 13.75 12.75 11.75 10.75 10 9 8 7 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,096)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Annual None     4.75 3-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Triennial None     16.00 Fixed Account 1-Year Fixed Rate (no bonus) 2.50% 1-Year S&P 500 Monthly Average with A Cap S&P 500 Point to Point Annual Monthly     5.00 2-Year S&P 500 Point-to-Point with a Cap S&P 500 Point to Point Biennial None     10.25 1-Year Performance Triggered Account S&P 500 Perf Trig Annual None       1-Year S&P 500 Monthly Point-to-Point with a Cap S&P 500 Point to Point Annual Monthly Sum     2.50
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	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+ (10 years): 8.25 8.25 7.25 6.25 5.25 4.25 3 2 1 0.5
	Guaranteed Minimum Value:		87.5% of Premium at 1.50%
	Account Name Indicie Type Reset Averaging Part Spread Cap Traditional Fixed Value 1-Year Fixed Rate (no bonus) 1.75% 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     4.00 1-Year S&P 500 Point-to-Point Cap S&P 500 Point to Point Annual None     4.00 1 Year S&P 500 Monthly Average Participation Rate S&P 500 Point to Point Annual Monthly 25     1 Year S&P 500 Annual Point-to-Point Participation Rate S&P 500 Point to Point Annual None 25     1-Year S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     1.80
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- Long Term Care  Yes-Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Not Available in: AK CA CT DE FL MN NJ NV NY OH OR PR SC 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 1.50%  (GMR/1000 $1,130)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50 Fixed Interest Account 1-Year Fixed Rate (no bonus) 1.55%
American General Life Insurance Company AG HorizonIndex Annuity 12 (CA)	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	Only Available in: CA	0-75: 8.00 76-80: 4.00 81-85: 2.50
	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 2-Year Point-to-Point Account with Cap S&P 500 Point to Point Biennial None     6.75 Monthly Additive Account with Cap S&P 500 Point to Point Annual Monthly Sum     1.50 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: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  Yes-Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: DE	Qualified 18-75: 6.00+ 76-80: 4.50+ 81-85: 2.50+ Non-Qual 0-75: 6.00+ 76-80: 4.50+ 81-UP: 2.50+ 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%  (GMR/1000 $1,183)
	Account Name Indicie Type Reset Averaging Part Spread Cap 1 Year S&P 500 Monthly Average with Cap S&P 500 Point to Point Annual Monthly     3.50 1 Year S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     3.25 Declared Rate Strategy 1-Year Fixed Rate (no bonus) 1.00%
Liberty Life Insurance Company Enhanced Choice 12	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK AL CT DE HI MN NJ NV NY OK OR PA PR TX UT VI WA	0-75: 6.50+ 76-UP: 3.50+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	For states AL, AR, AZ, CO, DC, 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, VA, VT, WA, 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 1-Year DJIA Monthly Average Cap DJIA Point to Point Annual Monthly     6.00 1-Year S&P 500 Monthly Additive Point-to-Point Cap S&P 500 Point to Point Annual Monthly Sum     3.00 8 Year Fixed Fixed 1-Year Fixed Rate with Bonus 2.00% +1.00 Bonus 1-Year DJIA Quarterly Point-to-Point Cap DJIA Point to Point Annual Quarterly Sum     3.00 1-Year S&P 500 Annual Point-to-Point Cap S&P 500 Point to Point Annual None     5.75
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  Yes-Long Term Care  No- Extended Care Waiver  No- Special Enhanced Life Income Options  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK CA IL MN MO PA	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 S&P 500 Ending Index Rate Option 2 S&P 500 Point to Point Annual None 50   3.10 Russell 2000 Ending Index Rate Option 1 Russell 2000 Point to Point Annual None 100   3.00 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   3.00 1-Year S&P 500 Average S&P 500 Point to Point Annual Daily 30     Russell 2000 Ending Index Rate Option 2 Russell 2000 Point to Point Annual None 50   3.10
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: AK AL AR AZ CA CO DC GA HI ID IL KS LA MI MT ND NE NM RI SC SD TN VT WI WV WY	0-75: 7.50+ 76-80: 5.00+ 81-86: 3.00+ see notes
	Withdrawal Notes:			Prem Bonus: 5.00-10.00
	Withdrawal Charges 12 years:		12.5 12.5 12.5 11 10 9 8 6 5 4 3 2
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,085)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 0.85% Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.50 Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus 5% Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK MN MO NC NJ VA WA	0-75: 7.50 76-80: 5.00 81-86: 3.00 see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 12 years:		14 13 12 10 9 8 6 5 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,035)
	Account Name Indicie Type Reset Averaging Part Spread Cap Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10     Fixed Account 1-Year Fixed Rate (no bonus) 2.50% Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.25
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus 5% High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 50,000 Monthly: 50,000 Qualified Single: 50,000 Monthly: 50,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: AK MN MO NC NJ VA WA	0-75: 7.50 76-80: 5.00 81-86: 3.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 12 years:		14 13 12 10 9 8 6 5 3 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $986)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.25 Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10     Fixed Account 1-Year Fixed Rate (no bonus) 2.50%
Phoenix Life Insurance Company Phoenix Reflections Gold Bonus 6%	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Extended Care Waiver  No- Terminal Illness  No- Nursing Home  No- Annualization	Only Available in: FL IA IN KY MD MS NH OH OK PA TX UT	0-75: 7.50 76-80: 5.00 81-86: 3.00 see notes
	Withdrawal Notes:			Premium Bonus: 6.00
	For states FL, IA, IN, MD, MS, NH, NV, OK, PA, UT (10 years): 10 9 8 7 6 5 4 3 2 1 For states KY, OH, TX (10 years): 8.3 7.2 6.1 5.4 4.7 4 3.3 2.5 1.7 0.8
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,045)
	Account Name Indicie Type Reset Averaging Part Spread Cap Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.25 Rainbow Point to Point Indexed Account - 1 year Domestic Blended Indicies Point to Point Annual None     1.00 Monthly Point to Point Indexed Account - 1 year S&P 500 S&P 500 Point to Point Annual None     1.00 Performance Trigger Indexed Account - 1 year S&P 500 DJIA Perf Trig Annual None       Rainbow Point to Point Indexed Account - 1 year Global Blended Indicies Point to Point Annual None 10     Fixed Account 1-Year Fixed Rate (no bonus) 0.75%
Surrender Charges Last 10 Years
Aviva Life & Annuity (Income Series) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Aviva Life & Annuity (MultiChoice Series) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50+ 76-79: 5.50+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.45% +5.00 Bonus
Forethought Financial Destination Income 15 Low-Band	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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: OR	0-75: 6.50 76-85: 5.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,097)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account Strategy 1-Year Fixed Rate (no bonus) 2.00%
Forethought Financial Destination Income 15 Mid-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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: OR	0-75: 6.50 76-85: 5.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,097)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account Strategy 1-Year Fixed Rate (no bonus) 2.00%
Forethought Financial Destination Income 15 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 250,000 Monthly: 250,000 Qualified Single: 250,000 Monthly: 250,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Only Available in: OR	0-75: 6.50 76-85: 5.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/01/12
	Guaranteed Minimum Value:		90% of Premium at 2.00%  (GMR/1000 $1,097)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account Strategy 1-Year Fixed Rate (no bonus) 2.00%
Aviva Life & Annuity (Income Series) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50+ 76-78: 5.50+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus
Aviva Life & Annuity (MultiChoice Series) 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  No- Nursing Home  No- Annualization  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK CT DE MN NJ NV NY OR PA PR UT VI WA	0-75: 7.50+ 76-79: 5.50+ see notes
	Withdrawal Notes:			Prem Bonus: 3.00-5.00
	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, OH, OK, RI, SD, TN, VA, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4 For states SC, TX (10 years): 12.4 11.9 10.6 9.3 8 6.7 5.4 4.1 2.7 1.3			Rate Changed: 01/06/12
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $1,015)	Next Change : TBD
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Strategy 1-Year Fixed Rate with Bonus 1.00% +5.00 Bonus
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- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  No- Annualization	Not Available in: MA MN NY OR UT VI VT	0-75: 10.00 76-80: 8.00
	Withdrawal Notes:			No Premium Bonus
	For states AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PR, RI, SC, SD, TN, TX, VA, WI, WV, WY (10 years): 12 12 11 10 9 8 7 6 5 3 For states CT, IL, PA, WA (10 years): 9 9 8 7 6 5 4 3 2 1			Rate Changed: 02/01/12
	Guaranteed Minimum Value:		90% of Premium at 1.00-1.75%  (GMR/1000 $1,071)	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 Continuous Monthly 75
EquiTrust Life Insurance Company Market Value Index	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  Yes-Nursing Home  Yes-Annualization	Not Available in: NY OR PR TX VI	0-80: 6.50+ see notes
	Withdrawal Notes:			No Premium Bonus
	For states AL, AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 12 12 12 12 11 10 8 6 4 2 For states AK, CT, MN, NV, UT, WA (10 years): 9 8 7 6.5 5.5 4.5 3.5 2.5 1.5 0.5 For states FL (10 years): 10 10 10 10 10 10 8 6 4 2
	Guaranteed Minimum Value:		87.5% of Premium at 2.00%  (GMR/1000 $1,067)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Average Cap Index Account S&P 500 Point to Point Biennial Monthly     15.00 1-Year Monthly Average Cap Index Account S&P 500 Point to Point Annual Monthly     5.00 1-Year Point-to-Point Cap Index Account S&P 500 Point to Point Annual None     4.75 1-Year Monthly Average Participation Index Account S&P 500 Point to Point Annual Monthly 30     1-Year Fixed Interest Account 1-Year Fixed Rate (no bonus) 2.40% 1-Year Monthly Cap Index Account S&P 500 Point to Point Annual Monthly Sum     2.20
Fidelity & Guaranty Life Insurance Company of New York FGNY Index-Choice 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  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Only Available in: NY	see notes
	Withdrawal Notes:			Premium Bonus: 2.00
	Withdrawal Charges 10 years:		10 10 10 9 8 7 6 5 4 2
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,127)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed 1-Year Fixed Rate with Bonus 2.50% +2.00 Bonus S&P 500 Monthly Averaging S&P 500 Point to Point Annual Monthly     3.50 S&P 500 Monthly Point-to-Point S&P 500 Point to Point Annual Monthly Sum     2.00 S&P 500 Annual Point-to-Point S&P 500 Point to Point Annual None     3.00
ING Annuity and Asset Sales 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	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, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states NV, TX, 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     1.10 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None     10.00 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     2.00
ING Annuity and Asset Sales 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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	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, OH, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 10 10 10 9 8 7 6 5 4 For states NV, TX, 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     1.50 Interest Rate Benchmark Strategy 3-Month LIBOR Point to Point Annual None     10.00 Point-to-Point Cap Index Strategy S&P 500 Point to Point Annual None     3.50
Life of the Southwest SecurePlus Gold (Issued on or after 9/14/2010)	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- Long Term Care  No- Extended Care Waiver  No- Special Enhanced Life Income Options  No- Terminal Illness  Yes-Nursing Home  No- Annualization	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 AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NM, OK, PA, RI, SC, SD, TN, VA, VT, WI, WV, WY (10 years): 10 9 8 7 6 5 4 3 2 1 Ages 0 to 58 in states AL, CA, DE, MN, NV, OH, TX, UT, WA (10 years): 10 9 8 7 6 5 4 3 2 1 Age 59+ in states AL, CA, DE, MN, NV, OH, TX, UT, WA (9 years): 8 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		87.5% of Premium at 1.00%  (GMR/1000 $967)
	Account Name Indicie Type Reset Averaging Part Spread Cap Average Index Account S&P 500 Point to Point Annual Daily 25     Ending Index Account S&P 500 Point to Point Annual None 70   3.50 Declared Interest Account 1-Year Fixed Rate (no bonus) 1.75%
Lincoln Benefit Life Savers Index III	Non-Qualified Owner: 90 Annuitant: 85 Qualified Owner: 90 Annuitant: 85	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	No- Disability  Yes-Unemployment  Yes-Hospitalization  No- Long Term Care  No- Extended Care Waiver  No- Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: NY OR PR	0-75: 3.45+ 76-90: 2.40+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		90% of Premium at 3.00%  (GMR/1000 $1,210)
	Account Name Indicie Type Reset Averaging Part Spread Cap Option II S&P 500 Point to Point Annual None     3.00 Option I S&P 500 Point to Point Annual None 60   3.25
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- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	Withdrawal Notes:			Premium Bonus: 4.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,149)
	Account Name Indicie Type Reset Averaging Part Spread Cap 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.25 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None       Fixed Account 1-Year Fixed Rate (no bonus) 1.00% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00
Lincoln Financial Group Lincoln OptiPoint 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Long Term Care  No- Extended Care Waiver  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization	Not Available in: AK MN NY OR UT	0-75: 7.00+ 76-80: 4.75+ see notes
	Withdrawal Notes:			Premium Bonus: 5.00
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1
	Guaranteed Minimum Value:		100% of Premium at 1.00%  (GMR/1000 $1,160)
	Account Name Indicie Type Reset Averaging Part Spread Cap Fixed Account 1-Year Fixed Rate (no bonus) 1.00% 2-Year Point-to-Point Indexed Account S&P 500 Point to Point Biennial None     7.00 2-Year Monthly Cap Indexed Account S&P 500 Point to Point Biennial Monthly Sum     2.25 Performance Triggered Indexed Account S&P 500 Perf Trig Annual None

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