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
|
|