Fixed Indexed Annuities

State

Premium

Qual

Flex?

Rating

Company

SC yrs

Age

Comm
%

More Search Options

Company / Product

SC Years

Issue
Age

Premium
Bonus

Min Rate

% Premium

Return per $1000

Last Change

Commissions
Age: Rate

Surrender Charges Last 15 Years

Loyal American Life
Loyal Generation -Low

15 yrs

7.50%

3.00%

87.50%

$1,465

11/09/09

18-75: 7.25+
76-80: 4.85+
81-85: 3.25+

see notes

S&P 500 Annual Point-to-Point	S&P 500 Daily Average
S&P 500 Monthly Average	S&P 500 Monthly Average with No Cap
Purchase Payment Account @ 2.00%	Declared Rate Strategy @ 2.00%

Loyal American Life
Loyal Generation -High

15 yrs

7.50%

3.00%

87.50%

$1,465

11/09/09

18-75: 7.25+
76-80: 4.85+
81-85: 3.25+

see notes

Purchase Payment Account @ 2.00%	Declared Rate Strategy @ 2.00%
S&P 500 Annual Point-to-Point	S&P 500 Daily Average
S&P 500 Monthly Average	S&P 500 Monthly Average with No Cap

Surrender Charges Last 14 Years

Annuity Investors Life (Great Amer. Life)
FlexMax 14

14 yrs

5.00%

2.00%

90.00%

$1,247

01/21/10

Qualified

18-55: 8.00+
56-70: 4.75+

Non-Qualified

0-55: 8.00+
56-70: 4.75+
71-80: 3.95+

see notes

Declared Rate Strategy @ 2.50%

1 Year S&P 500 Annual Point-to-Point

EquiTrust Life Ins. Co.
Market Power Bonus Index

14 yrs

10.00%

3.00%

87.50%

$1,456

03/12/10

0-80: 8.50+

see notes

1-Year Interest Account @ 2.85%	1-Year S&P 500 Daily Average Cap
1-Year S&P 500 Point-to-Point Cap	2-Year S&P 500 Monthly Averaging Cap Account
1-Year S&P 500 Monthly Cap	1 Year S&P 500 Monthly Average Participation

EquiTrust Life Ins. Co.
MarketTwelve Bonus

14 yrs

(NQ)

6.00%

3.00%

87.50%

$1,403

03/12/10

0-80: 9.00+

see notes

Fixed @ 2.60%	1-Year S&P 500 Point-to-Point w/Cap
1-Year S&P 500 Daily Average w/ Cap	1-Year S&P 500 Monthly Average w/Participation
1-Year S&P 500 Monthly Cap	2-Year Monthly Average Cap

North American Company
Charter 14

14 yrs

11.00%

1.10%

87.50%

$1,132

02/23/10

0-75: 8.50+

see notes

1-Year Fixed @ 2.60%	1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Daily Average	1-Year S&P 500 Annual Point-to-Point
1-Year Lehman Bros. US Aggregate	1-Year NASDAQ-100 Monthly Point-to-Point
1-Year Nasdaq-100 Annual Point-to-Point	1-Year Russell 2000 Annual Daily Average
1-Year Russell 2000 Annual Point-to-Point	1-Year Hindsight Index Strategy
1-Year Dow Jones EuroStoxx 50 Point-to-Point	1-Year Dow Jones Annual Daily Average
1-Year Dow Jones Annual Point-to-Point	1-Year S&P 400 Annual Daily Average
1-Year S&P 400 Annual Point-to-Point

North American Company
Freedom Choice (5%) 14 -Low

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Fixed @ 4.85%	1-Year Annual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500	1-Year Annual Point-to-Point DJIA
1-Year Annual Point-to-Point DJ EuroSTOXX 50	1-Year Annual Point-to-Point S&P 400
1-Year Annual Point-to-Point LB U.S. Aggregate	1-Year Annual Point-to-Point Russell 2000
1-Year Annual Point-to-Point NADAQ 100	1-Year Monthly Point-to-Point NASDAQ 100

North American Company
Freedom Choice (5%) 14 -High

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Annual Point-to-Point S&P 500	1-Year Monthly Point-to-Point S&P 500
1-Year Fixed @ 5.20%	1-Year Monthly Point-to-Point NASDAQ 100
1-Year Annual Point-to-Point NADAQ 100	1-Year Annual Point-to-Point Russell 2000
1-Year Annual Point-to-Point LB U.S. Aggregate	1-Year Annual Point-to-Point S&P 400
1-Year Annual Point-to-Point DJ EuroSTOXX 50	1-Year Annual Point-to-Point DJIA

North American Company
Freedom Choice 14 -Low

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Fixed @ 4.40%	1-Year Anual Point-to-Point S&P 500
1-Year Monthly Point-to-Point S&P 500	1-Year Anual Point-to-Point DJIA
1-Year Anual Point-to-Point DJ EuroSTOXX 50	1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point LB U.S. Aggregate	1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point Russell 2000	1-Year Anual Point-to-Point NADAQ 100

North American Company
Freedom Choice 14 -High

14 yrs

1.10%

87.50%

$1,020

02/23/10

0-75: 5.50+

see notes

1-Year Monthly Point-to-Point S&P 500	1-Year Anual Point-to-Point S&P 500
1-Year Fixed @ 4.80%	1-Year Anual Point-to-Point NADAQ 100
1-Year Anual Point-to-Point Russell 2000	1-Year Monthly Point-to-Point NASDAQ 100
1-Year Anual Point-to-Point LB U.S. Aggregate	1-Year Anual Point-to-Point S&P 400
1-Year Anual Point-to-Point DJ EuroSTOXX 50	1-Year Anual Point-to-Point DJIA

North American Company
North American Prizm Plus 14

14 yrs

10.00%

1.10%

87.50%

$1,122

02/23/10

0-75: 8.50+

see notes

1-Year Fixed @ 3.00%	1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point	1-Year S&P 500 Monthly Average
1-Year S&P 400 Point-to-Point	1-Year S&P 400 Monthly Average
1-Year DJIA Point-to-Point	1-Year DJIA Monthly Average
1-Year DJ EuroStoxx 50 Point-to-Point	1-Year Russell 2000 Point-to-Point
1-Year Russell 2000 Monthly Averaging	1-Year Lehman Bros. U.S. Aggregate Point-to-Point
1-Year Nasdaq -100 Monthly Point-to-Point	1-Year Nasdaq 100 Point-to-Point

North American Company
Precision 14

14 yrs

11.00%

1.10%

87.50%

$1,132

02/23/10

0-75: 8.50+

see notes

Fixed @ 2.60%	Dow Jones Annual Daily Average
Dow Jones Annual Point-to-Point	Lehman Bros. US Aggregate
Nasdaq-100 Annual Point-to-Point	Nasdaq -100 Monthly Point-to-Point
Russell 2000 Annual Daily Average	Russell 2000 Annual Point-to-Point
1 - Year Hindsight Index Strategy	Dow Jones EuroStoxx 50 Point-to-Point
S&P 500 Monthly Point-to-Point Cap	S&P 500 Annual Daily Average
S&P 500 Annual Point-to-Point	S&P 400 Annual Daily Average
S&P 400 Annual Point-to-Point

Surrender Charges Last 12 Years

Amer. General Life Ins. Co.
AG HorizonIndex Annuity 12

12 yrs

5.00%

2.00%

90.00%

$1,198

03/05/10

0-75: 8.00+
76-80: 4.00+
81-85: 2.50+

see notes

Monthly Additive Account with Cap	2-Year Point-to-Point Account with Cap
Fixed Interest Account @ 2.80%

Annuity Investors Life (Great Amer. Life)
FlexMax 12

12 yrs

2.00%

90.00%

$1,141

01/21/10

Qualified

18-60: 9.25+
61-70: 6.75+

Non-Qualified

0-60: 9.25+
61-85: 6.75+

see notes

Declared Rate Strategy @ 2.50%

1 Year S&P 500 Annual Point-to-Point

Great Amer. Life Ins. Co.
American Valor II

12 yrs

5.00%

1.00-2.00%

100%

$1,332

01/21/10

Qualified

18-75: 6.50+
76-80: 5.35+
81-85: 3.60+

Non-Qualified

0-75: 6.50+
76-80: 5.35+
81-85: 3.60+

see notes

1 Year S&P 500 Annual Point-to-Point	1 Year S&P 500 Monthly Average with Cap
Declared Rate Strategy @ 2.75%

Surrender Charges Last 10 Years

American National Ins. Co.
Value Lock 10

10 yrs

3.00%

1.75%

90.00%

$1,103

03/01/10

0-75: 10.00
76-80: 8.00

S&P 500 10 Year Point-to-Point

Allianz Life
MasterDex 10

10 yrs

10.00%

1.50%

87.50%

$1,117

03/02/10

0-75: 9.00+
76-85: 7.00+

see notes

Fixed Account @ 3.00%	1-Year SP 500 Monthly Point to Point
1-Year Nasdaq-100 Monthly Point to Point

EquiTrust Life Ins. Co.
Market Value Index

10 yrs

3.00%

87.50%

$1,176

03/12/10

0-80: 7.50+

see notes

1-Year Fixed @ 3.25%	1-Year S&P 500 Point-to-Point
1-Year S&P 500 Monthly Average	2-Year S&P 500 Monthly Average Cap
1-Year S&P 500 Monthly Averaging w/ Participation	1-Year S&P 500 Monthly Cap

ING USA Annuity and Life
ING Secure Index Opportunities Plus -Low

10 yrs

5.00%

2.00%

87.50%

$1,120

03/17/10

0-80: 7.00+

see notes

Fixed Rate Strategy @ 2.40%	Monthly Cap Index Strategy
Point-to-Point Cap Index Strategy

ING USA Annuity and Life
ING Secure Index Opportunities Plus -High

10 yrs

5.00%

2.00%

87.50%

$1,120

03/17/10

0-80: 7.00+

see notes

Fixed Rate Strategy @ 2.40%	Point-to-Point Cap Index Strategy
Monthly Cap Index Strategy

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.

Any reproduction of this data or presentation of this data in print, electronically or on any other website is strictly prohibited and protected under copyright law. "Yield to Surrender", "Current Yield to Surrender" and "Guaranteed Yield to Surrender" are Trademarks of AnnuityRateWatch.com, Inc.

"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

For use by licensed insurance agents/brokers only - not authorized for use by the public.