Fixed Indexed Annuities
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Company / Product SC Years Issue
Age		 Premium
Bonus		 Min Rate % Premium Return per $1000 Last Change Commissions
Age: Rate
Surrender Charges Last 15 Years
Life of the Southwest
SecurePlus Accumulator 5
15 yrs 75 5.00% 2.45% 87.50% $1,321 09/07/08 0-70: 7.00
71-75: 6.00
76-80: 4.00
Declared Interest Account @ 4.60% Average Index Account
Ending Index Account
Life of the Southwest
SecurePlus Platinum
15 yrs 80 2.45% 87.50% $1,258 09/07/08 0-70: 10.00
71-75: 9.00
76-80: 8.00
Declared Interest Account @ 4.75% Ending Index Account
Average Index Account
Loyal American Life
Loyal Generation -Low
15 yrs 85 7.50% 3.00% 87.50% $1,465 07/21/08
Qualified
18-75: 8.50
76-80: 6.00
81-85: 4.50
Non-Qualified
0-75: 8.50
76-80: 6.00
81-85: 4.50
Declared Rate Strategy @ 3.00% S&P 500 Daily Average
S&P 500 Monthly Average with No Cap Purchase Payment Account @ 3.00%
S&P 500 Annual Point-to-Point S&P 500 Monthly Average
Loyal American Life
Loyal Generation -High
15 yrs 85 7.50% 3.00% 87.50% $1,465 07/21/08
Qualified
18-75: 8.50
76-80: 6.00
81-85: 4.50
Non-Qualified
0-75: 8.50
76-80: 6.00
81-85: 4.50
S&P 500 Annual Point-to-Point S&P 500 Monthly Average
Declared Rate Strategy @ 3.25% S&P 500 Daily Average
S&P 500 Monthly Average with No Cap Purchase Payment Account @ 3.25%
Surrender Charges Last 14 Years
Annuity Investors Life (Great Amer. Life)
FlexMax 14
14 yrs 80 7.50% 3.00% 90.00% $1,463 11/07/08 0-55: 9.75
56-70: 6.75
71-80: 5.90
Purchase Payment Account @ 3.60% One Year Point-to-Point
Fixed @ 3.25% One Year Daily Averaging
1-Year Monthly Average with Spread
EquiTrust Life Ins. Co.
Market Power Bonus Index
14 yrs 80 10.00% 3.00% 87.50% $1,456 10/28/08 0-80: 8.50
Fixed @ 3.25% 1-Year S&P 500 Monthly Cap
1-Year S&P 500 Point-to-Point Cap 1 Year Monthly Average Participation
2-Year Monthly Averaging 1-Year S&P 500 Daily Average Cap
North American Company
Charter 14
14 yrs 75 11.00% 2.00% 100% $1,465 10/10/08 0-75: 8.50
1-Year NASDAQ-100 Monthly Point-to-Point 1-Year S&P 500 Annual Daily Average
1-Year S&P 400 Annual Daily Average 1-Year Russell 2000 Annual Daily Average
1-Year Hindsight Index Strategy 1-Year Lehman Bros. US Aggregate
1-Year Nasdaq-100 Annual Point-to-Point 1-Year Dow Jones Annual Daily Average
1-Year S&P 400 Annual Point-to-Point 1-Year S&P 500 Monthly Point-to-Point Cap
1-Year S&P 500 Annual Point-to-Point 1-Year Dow Jones Annual Point-to-Point
1-Year Russell 2000 Annual Point-to-Point 1-Year Fixed @ 3.00%
1-Year Dow Jones EuroStoxx 50 Point-to-Point
North American Company
Freedom Choice (5%) 14 -Low
14 yrs 75 3.00% 87.50% $1,324 10/10/08 0-75: 5.50
1-Year Annual Point-to-Point Russell 2000 1-Year Annual Point-to-Point DJ EuroSTOXX 50
1-Year Fixed @ 5.00% 1-Year Annual Point-to-Point S&P 500
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point S&P 400
1-Year Annual Point-to-Point NADAQ 100 1-Year Annual Point-to-Point LB U.S. Aggregate
1-Year Annual Point-to-Point DJIA 1-Year Monthly Point-to-Point S&P 500
North American Company
Freedom Choice (5%) 14 -High
14 yrs 75 3.00% 87.50% $1,324 10/10/08 0-75: 5.50
1-Year Annual Point-to-Point LB U.S. Aggregate 1-Year Annual Point-to-Point DJIA
1-Year Monthly Point-to-Point S&P 500 1-Year Annual Point-to-Point Russell 2000
1-Year Annual Point-to-Point DJ EuroSTOXX 50 1-Year Annual Point-to-Point S&P 500
1-Year Fixed @ 5.35% 1-Year Annual Point-to-Point S&P 400
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Annual Point-to-Point NADAQ 100
North American Company
Freedom Choice 14 -Low
14 yrs 75 3.00% 87.50% $1,324 10/10/08 0-75: 5.50
1-Year Anual Point-to-Point NADAQ 100 1-Year Anual Point-to-Point LB U.S. Aggregate
1-Year Anual Point-to-Point DJIA 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point Russell 2000 1-Year Anual Point-to-Point DJ EuroSTOXX 50
1-Year Anual Point-to-Point S&P 500 1-Year Fixed @ 4.60%
1-Year Anual Point-to-Point S&P 400 1-Year Monthly Point-to-Point NASDAQ 100
North American Company
Freedom Choice 14 -High
14 yrs 75 3.00% 87.50% $1,324 10/10/08 0-75: 5.50
1-Year Anual Point-to-Point DJ EuroSTOXX 50 1-Year Anual Point-to-Point S&P 500
1-Year Anual Point-to-Point S&P 400 1-Year Fixed @ 5.00%
1-Year Monthly Point-to-Point NASDAQ 100 1-Year Anual Point-to-Point NADAQ 100
1-Year Anual Point-to-Point LB U.S. Aggregate 1-Year Monthly Point-to-Point S&P 500
1-Year Anual Point-to-Point DJIA 1-Year Anual Point-to-Point Russell 2000
North American Company
North American Classic Plus
14 yrs 75 10.00% 3.00% 87.50% $1,456 10/10/08 0-75: 7.00
1-Year Russell 2000 Point-to-Point 1-Year DJIA Daily Average
1-Year Russell 2000 Daily Average 1-Year DJIA Point-to-Point
1-Year S&P 500 Daily Average 1-Year S&P 400 Point-to-Point
1-Year S&P 400 Daily Average 1-Year S&P 500 Monthly Point-to-Point
1-Year NASDAQ 100 Monthly Point-to-Point 1-Year Fixed @ 3.60%
1-Year S&P 500 Point-to-Point 1-Year NASDAQ-100 Point-to-Point
North American Company
North American Prizm 14
14 yrs 75 2.00% 100% $1,319 10/10/08 0-75: 8.50
1-Year S&P 400 Monthly Average 1-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Point-to-Point 1-Year Russell 2000 Monthly Averaging
1-Year Nasdaq 100 Point-to-Point 1-Year Nasdaq 100 Monthly Point-to-Point
1-Year Lehman Bros. U.S. Aggregate Point-to-Point 1-Year Dow Jones Point-to-Point
1-Year S&P 400 Point-to-Point 1-Year Fixed @ 4.15%
1-Year Russell 2000 Point-to-Point 1-Year S&P 500 Monthly Average
1-Year Dow Jones Monthly Average 1-Year DJ EuroStoxx 50 Point-to-Point
North American Company
North American Prizm Plus 14
14 yrs 75 10.00% 2.00% 100% $1,451 10/10/08 0-75: 8.50
1-Year Russell 2000 Point-to-Point 1-Year S&P 500 Monthly Average
1-Year Nasdaq -100 Monthly Point-to-Point 1-Year Nasdaq 100 Point-to-Point
1-Year Lehman Bros. U.S. Aggregate Point-to-Point 1-Year DJIA Monthly Average
1-Year Fixed @ 3.25% 1-Year S&P 400 Monthly Average
1-Year Russell 2000 Monthly Averaging 1-Year S&P 500 Point-to-Point
1-Year DJIA Point-to-Point 1-Year DJ EuroStoxx 50 Point-to-Point
1-Year S&P 400 Point-to-Point 1-Year S&P 500 Monthly Point-to-Point
North American Company
Precision 14
14 yrs 75 10.00% 2.00% 100% $1,451 10/10/08 0-75: 8.50
Dow Jones EuroStoxx 50 Point-to-Point Dow Jones Annual Daily Average
S&P 400 Annual Daily Average Nasdaq -100 Monthly Point-to-Point
Russell 2000 Annual Daily Average S&P 500 Monthly Point-to-Point Cap
Lehman Bros. US Aggregate S&P 500 Annual Point-to-Point
1 - Year Hindsight Index Strategy Nasdaq-100 Annual Point-to-Point
Dow Jones Annual Point-to-Point Fixed @ 3.00%
S&P 400 Annual Point-to-Point S&P 500 Annual Daily Average
Russell 2000 Annual Point-to-Point
OM Financial Life Ins. Co.
OM Accelerator Bonus 14
14 yrs 85 10.00% 1.10% 87.50% $1,122 11/01/08 0-79: 8.50
80-85: 4.25
1-Year S&P 500 Point-to-Point 1-Year S&P 500 Monthly Cap
2-Year S&P 500 Monthly Averaging with Cap 1-Year S&P 500 Point-to-Point with Participation Rate
1-Year S&P 500 Monthly Averaging with Cap Fixed Interest Option @ 3.25%
OM Financial Life Ins. Co.
Spectrum Choice Bonus
14 yrs 85 6.00% 1.00% 87.50% $1,066 11/01/08 0-79: 10.00
80-85: 5.00
1-Year S&P 500 Monthly Averaging Cap 2-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Monthly Point-to-Point 3-Year S&P 500 Monthly Point-to-Point
1-Year S&P 500 Annual Point-to-Point Fixed @ 3.20%
Surrender Charges Last 13 Years
OM Financial Life Ins. Co.
Spectrum Reserve Bonus
13 yrs 85 4.00% 1.10% 104.00% $1,247 11/01/08 0-79: 9.00
80-85: 4.50
3-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Point-to-Point
2-Year S&P 500 Monthly Point-to-Point 1-Year S&P 500 Monthly Average
1-Year S&P 500 Monthly Point-to-Point Fixed @ 3.70%
OM Financial Life Ins. Co.
Spectrum Rewards Reserve
13 yrs 85 4.00% 1.00% 100% $1,184 11/01/08 0-79: 9.00
80-85: 4.50
1-Year S&P 500 Monthly Averaging Cap 3-Year Option Monthly Cap
2-Year Option Monthly Cap 1-Year S&P 500 Point-to-Point Cap
Fixed @ 3.40% 1-Year Option Monthly Cap
Surrender Charges Last 12 Years
OM Financial Life Ins. Co.
Loyalty Rewards Escalator 12
12 yrs 85 1.00% 1.00% 87.50% $ 996 11/01/08 0-79: 7.50
80-85: 3.75
1-Year S&P 500 Annual Point-to-Point Fixed @ 3.75%
1-Year S&P 500 Monthly Averaging 1-Year S&P 500 Monthly Point-to-Point
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