Fixed Annuity Detail Sheet
 
 
 
State
 Premium
 Qual
 Rating
 Company
 Rate Gtd
 Age
 Comm
%

Showing 1-30 of 85    Display: Print/Save |<  <<   Page 1 of 3   >>   >|
Company / Product Issue Ages Minimum Premiums Withdrawal Provisions States Commissions
Age: Rate
Surrender Charges Last 14 Years

North American Company

North American Flex III
Non-Qualified
Owner:75
Annuitant:
Qualified
Owner:75
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MA MN NV NY OR PR TX UT VI WA 		0-75: 4.50+
Withdrawal Notes: Prem Bonus: 10.00
Withdrawal Charges 14 years:
18 18 17 15 15 15 15 14 12 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.55 2.00 3.25 2.74
Surrender Charges Last 10 Years

Guaranty Income Life

Flex 10
Non-Qualified
Owner:79
Annuitant:79
Qualified
Owner:79
Annuitant:79
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT DC DE HI ID MA MD ME MN NH NJ NY PA PR RI SD VA VI VT WI WV 		0-74: 7.75
75-85: 5.75
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 6 5 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 4.2 3.30 1.32

North American Company

North American Flex II
Non-Qualified
Owner:79
Annuitant:
Qualified
Owner:79
Annuitant:
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MA MN NV NY OR PR TX UT VI WA 		0-75: 4.50+
76-79: 3.38+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
15 14 13 12 11 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 2.00 3.00 2.55

North American Company

Boomer Annuity
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MN MS NY OR PA PR TX UT VI WA 		0-75: 7.00+
76-79: 5.25+
Withdrawal Notes: Premium Bonus: 5.00
Withdrawal Charges 10 years:
15 14 13 12 11 10 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.35 3.00 2.85 3.44

Aviva Life & Annuity

MultiChoice Freedom Xtra (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NY OR PA PR UT WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AK, AL, AR, AZ, CA, CO, 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, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VI, VT, WA, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 5
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

Aviva Life & Annuity

MultiChoice Freedom Xtra (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT DE MN NY OR PA PR UT WA 		0-75: 7.00+
76-78: 5.00+
Withdrawal Notes: Premium Bonus: 8.00
For states AK, AL, AR, AZ, CA, CO, 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, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VI, VT, WA, WI, WV, WY (10 years): 12 12 12 11 10 9 8 7 6 5
For states TX (10 years): 10.1 8.5 7.3 6.6 5.9 5.1 4.3 3.5 2.7 1.8
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.79 2.79

American National Insurance Company

Palladium Century 7
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 11 10 9 8 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 7% 9 2.00 2.68 2.68

Aviva Life & Annuity

MultiChoice Freedom Plus (1-Year)

Low-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VI, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states CT, DE, MN, OR, PA, WA (0 years):
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Aviva Life & Annuity

MultiChoice Freedom Plus (1-Year)

High-Band
Non-Qualified
Owner:78
Annuitant:78
Qualified
Owner:78
Annuitant:78
Non-Qualified
Single:75,000
Monthly:75,000
Qualified
Single:75,000
Monthly:75,000
No- Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR 		0-75: 7.50+
76-78: 5.50+
Withdrawal Notes: Premium Bonus: 5.00
For states AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, RI, SC, SD, TN, TX, UT, VA, VI, VT, WI, WV, WY (10 years): 16 15 14 13 12 11 10 8 6 4
For states CT, DE, MN, OR, PA, WA (0 years):
Rate Changed: 08/06/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : 09/03/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 2.00 2.50 2.50

Forethought Financial

Secure Bonus 115sm

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CA MO NY OR PR UT VI WA 		0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Bonus 115sm

Mid-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CA MO NY OR PR UT VI WA 		0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Bonus 115sm

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CA MO NY OR PR UT VI WA 		0-75: 7.00+
76-85: 4.50+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Income 125

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CA MA MN MT NV NY OR PR VA VI WA 		0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Income 125

Mid-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CA MA MN MT NV NY OR PR VA VI WA 		0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

Forethought Financial

Secure Income 125

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

CA MA MN MT NV NY OR PR VA VI WA 		0-75: 7.00+
76-85: 5.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 1.00 2.50 1.15

American National Insurance Company

Palladium Century 5
Non-Qualified
Owner:80
Annuitant:80
Qualified
Owner:80
Annuitant:80
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 6 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 5% 7 2.00 2.49 2.49

Great American Life Insurance Company

American Freedom 10-ST
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:10,000
Monthly:10,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

NY PR VI 		0-80: 5.00
81-85: 2.35
Withdrawal Notes: No Premium Bonus
For states AK, AL, AR, AZ, CA, CO, CT, DC, DE, GA, HI, IA, ID, IN, KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OR, RI, SD, TN, TX, VA, VT, WI, WV, WY (10 years): 9 9 8 7 6 5 4 3 2 1
Age 60+ in states FL, IL, KY, NJ, OK, PA, SC, UT, WA (9 years): 8 8 7 6 5 4 3 2 1
Rate Changed: 08/21/10
Guaranteed Minimum Value: 100% of Premium at 1.00-2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 4.2 1.00-2.00 2.40 1.32

American General Life Insurance Company

AG HorizonMYG
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK MN NJ NY PR UT VI 		0-75: 7.50+
76-80: 5.00+
81-85: 3.00+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 08/23/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 4% 6 2.00 2.39 2.39

American National Insurance Company

Palladium Century 3
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
11 10 9 8 7 6 5 4 3 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 5 2.00 2.30 2.30

Forethought Financial

Secure Bonus 115 Plussm

Low-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:25,000
Monthly:25,000
Qualified
Single:25,000
Monthly:25,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CA IN MO NY OR PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 5 1.00 2.30 1.39

Forethought Financial

Secure Bonus 115 Plussm

Mid-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:100,000
Monthly:100,000
Qualified
Single:100,000
Monthly:100,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CA IN MO NY OR PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 5 1.00 2.30 1.39

American National Insurance Company

Palladium Century 1
Non-Qualified
Owner:90
Annuitant:90
Qualified
Owner:90
Annuitant:90
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:4,000
Monthly:4,000
Yes-Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  Yes-Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AL CT IL MA MN NJ NY OR PA PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
10 9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1% 3 2.00 2.10 2.10

Forethought Financial

Secure Bonus 115 Plussm

High-Band
Non-Qualified
Owner:85
Annuitant:
Qualified
Owner:85
Annuitant:
Non-Qualified
Single:250,000
Monthly:250,000
Qualified
Single:250,000
Monthly:250,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CA IN MO NY OR PR UT VI WA
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 10 years:
12 12 11 10 9 8 7 6 4 2
Rate Changed: 08/06/10
Guaranteed Minimum Value: 87.5% of Premium at 1.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2 1.00 2.00 1.10
Surrender Charges Last 9 Years

North American Company

North American Director
Non-Qualified
Owner:85
Annuitant:0
Qualified
Owner:85
Annuitant:0
Non-Qualified
Single:10,000
Monthly:10,000
Qualified
Single:2,000
Monthly:2,000
No- Disability  Yes-Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DE MA MN NV NY OR PR TX UT VI WA 		0-80: 5.50+
81-85: 4.13+
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
12 11 10 9 8 7 6 4 2
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 3.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 3% 5.5 3.00 2.83 3.27

EquiTrust Life Insurance Company

ChoiceFour (MVA Option)
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:30,000
Monthly:30,000
Qualified
Single:30,000
Monthly:30,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA 		0-80: 5.50
81-85: 4.13
Withdrawal Notes: Premium Bonus: 1.50
Withdrawal Charges 9 years:
12 11 10 9 8 7 6 4 2
Rate Changed: 09/02/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 2.00 2.67 2.22

American General Life Insurance Company

AG HorizonPlus
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

MN NJ NY OR PA PR UT VI WA 		0-75: 6.00
76-80: 3.20
81-85: 1.35
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 08/23/10
Guaranteed Minimum Value: 90% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Rate
Year 6 		Yield to SurrenderTM
Current Guarant'd
6 Year Fixed with Bonus 6 Years 6% 8 2.00 2.65 2.65

EquiTrust Life Insurance Company

ChoiceFour (Base Contract)
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:30,000
Monthly:30,000
Qualified
Single:30,000
Monthly:30,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK CT IN MA MD MN NY OK OR PR TX UT VI VT WA 		0-80: 5.50
81-85: 4.13
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
12 11 10 9 8 7 6 4 2
Rate Changed: 09/02/10
Guaranteed Minimum Value: 100% of Premium at 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.5 2.00 2.50 2.06

Presidential Life

No Load Flex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:120
Monthly:120
Qualified
Single:120
Monthly:120
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  Yes-Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

IL NH OR PR VI WA 		0-75: 3.50
76-80: 2.60
81-85: 0.75
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 9 years:
9 8 7 6 5 4 3 2 1
Rate Changed: 09/01/10
Guaranteed Minimum Value: 100% of Premium at 1.50% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed 1 Year none 2.3 1.50 2.30 1.59
Surrender Charges Last 8 Years

Liberty Bankers Life

Liberty Select
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
Yes-Disability  No- Unemployment 
Yes-Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
No- Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  Yes-Terminal Illness 
Yes-Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK AL CT DC HI MA ME MN MO ND NH NJ NY OR PA PR RI VI VT WY 		0-80: 5.50
81-85: 2.50
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 8 years:
12 11 10 8 6 4 2
Rate Changed: 08/01/10
Guaranteed Minimum Value: 100% of Premium at 2.50% Next Change : 09/06/10
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 1.5% 4.5 2.50 3.19 2.75

American General Life Insurance Company

AG HorizonFlex
Non-Qualified
Owner:85
Annuitant:85
Qualified
Owner:85
Annuitant:85
Non-Qualified
Single:5,000
Monthly:5,000
Qualified
Single:5,000
Monthly:5,000
No- Disability  No- Unemployment 
No- Hospitalization  No- Flex. Annuity Option 
No- Flex. Wthdrl Rider  No- Long Term Care 
Yes-Extended Care Rider  No- Special Enhanced Life Income Options 
No- Death Benefit Rider  No- Terminal Illness 
No- Nursing Home  No- Annualization 
No- Activities of Daily Living  No- Home Health Care Waiver 
No- Guaranteed Purchase Option 

Not
Available in:

AK NY PR UT VI 		0-75: 5.00
76-80: 4.00
81-85: 3.00
Withdrawal Notes: No Premium Bonus
Withdrawal Charges 8 years:
8 8 8 7 6 5 3 1
Rate Changed: 08/23/10
Guaranteed Minimum Value: 2.00% Next Change : TBD
Product Type Rate
Guarant'd		 Bonus Rate
First Year 		Guarant'd
Min Rate 		Yield to SurrenderTM
Current Guarant'd
1-Year Fixed with Bonus 1 Year 2% 4 2.00 2.25 2.25
Showing 1-30 of 85    Display: Page:   1 | 2 | 3

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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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