SPIA Products

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 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. General Life Ins. Co. American National Ins. Co. Assurity Life Aviva Life & Annuity (MultiChoice Series) EquiTrust Life Ins. Co. Fidelity & Guaranty Life Fidelity & Guaranty Life Ins. Co. of New York Forethought Financial Genworth Life Ins. Co. Great Amer. Life Ins. Co. Guaranty Income Life ING Annuity and Asset Sales Liberty Bankers Life North American Company Presidential Life Age Comm %

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Company / Product Name	AM Best	Impaired Risk	Max Issue Age Owner	Max Issue Age Annuitant	Min Premium Qualified	Min Premium Non-qualified	Commissions Age: Rate
Allianz Life Insurance Company of North America Single Premium Immediate Elite Annuity	A		99	99	25,000	25,000	0-99: 3.00 see notes
American General Life Insurance Company AG Platinum Income	A		0	0	10,000	10,000	0-90: 3.00
American National Insurance Company Palladium (SPIA)	A		90	90	15,000	3,500	see notes
EquiTrust Life Insurance Company Confidence Income	B+		90	90	30,000	30,000	0-90: 3.00 see notes
Fidelity & Guaranty Life FG Immediate-Income	B++		100	100	10,000	10,000	0-90: 2.00 see notes
Fidelity & Guaranty Life FG Immediate-Safeguard	B++		100	100	5,000	5,000	see notes
Genworth Life Insurance Company SecureLiving® Income Provider	A		95	95	5,000	5,000	0-95: 3.00
ING Annuity and Asset Sales ING SPIA	A		80	80	15,000	15,000	0-95: 3.00
North American Company NA Income	A+		85	85	10,000	2,000	0-85: 2.00 see notes
Presidential Life Single Premium Immediate Annuity	B++		0	0	2,000	2,000	0-99: 2.50 see notes
Presidential Life Single Premium Immediate Income	B++		0	0	2,000	2,000	Call

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