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State

Premium

Qual

Rating

Company

Rate Gtd

Age

Comm
%

Company	Product	Years Gtd	Premium Bonus	1st Year Rate	Rate Thereafter	Gtd Yield to Surrender	Commission
10 Year Interest Rate Guarantees
North American Company	Guarantee Choice 10 High-Band [MVA]	10		3.40	3.40	3.40	2.50 +notes
EquiTrust Life Ins. Co.	Certainty 10 [MVA]	10		3.25	3.25	3.25	3.00 +notes
EquiTrust Life Ins. Co.	Certainty Select 10 [MVA]	10		3.25	3.25	3.25	3.00 +notes
North American Company	Guarantee Choice 10 Low-Band [MVA]	10		3.25	3.25	3.25	2.50 +notes
ReliaStar Life Ins. Co.	ING MVA Annuity 10 High-Band [MVA, LOAN]	10		3.00	3.00	3.00	5.30
ReliaStar Life Ins. Co.	ING MVA Annuity 10 Mid-Band [MVA, LOAN]	10		3.00	3.00	3.00	5.30
ReliaStar Life Ins. Co.	ING MVA Annuity 10 Low-Band [MVA, LOAN]	10		3.00	3.00	3.00	5.30
American National Ins. Co.	Palladium MYG Annuity 10 High-Band [MVA]	10		3.55	2.55	2.65	4.00
American National Ins. Co.	Palladium MYG Annuity 10 Low-Band [MVA]	10		3.45	2.45	2.55	4.00
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	10		2.45	2.45	2.45	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 High-Band [MVA]	10		2.45	2.45	2.45	2.50
Natl. Integrity Life Ins.	MultiVantage 10 [MVA]	10		3.30	2.30	2.40	3.50
Amer. General Life Ins. Co.	AG HorizonSelect 10 [MVA]	10		2.35	2.35	2.35	4.00 +notes
Phoenix Life Insurance Co.	Phoenix Select Plus® 10-year [MVA]	10		2.35	2.35	2.35	3.50
Lincoln Life & Annuity of New York	Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	10		2.30	2.30	2.30	2.50
Lincoln Financial Group	Lincoln MYGuarantee^sm Plus 10 Low-Band [MVA]	10		2.30	2.30	2.30	2.50
Natl. Integrity Life Ins.	New Momentum 10 [MVA]	10		2.90	2.15	2.22	5.00
ING Annuity and Asset Sales	Guarantee Choice 10 High-Band [MVA]	10		3.00	2.00	2.10	3.25 +notes
Protective Life Corporation	FutureSaver II Annuity 10 High-Band [MVA]	10	1.00	1.95	1.95	2.05	3.25
ING Annuity and Asset Sales	Guarantee Choice 10 Low-Band [MVA]	10		2.00	2.00	2.00	3.25 +notes

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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