MYGA Detail Sheet

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Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company - Any - Amer. General Life Ins. Co. American National Ins. Co. Genworth Life Ins. Co. Genworth Life of New York ING USA Annuity and Life Lincoln Benefit Life Lincoln Financial Group Lincoln Life & Annuity of New York Principal Financial Group ReliaStar Life Ins. Co. of NY Sun Life Financial Sun Life Ins. and Annuity of New York Transamerica Life United of Omaha United States Life Ins. Co. (NY) West Coast Life

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 10 Years
West Coast Life Sure Advantage 10 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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: DE MN NY PR VI VT	0-75: 2.50 76-85: 1.00
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0	Rate Changed: 03/09/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.75 1.50 3.85 3.85
American National Insurance Company Palladium MYG Annuity 8 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 3.8 1.50-2.00 3.80 3.80
ING USA Annuity and Life Guaranteed Choice 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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 VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 03/17/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 4.7 3.70 3.80 3.80
American General Life Insurance Company AG HorizonSelect 10	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 OR PA PR UT VI WA	0-80: 4.00 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: 02/08/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.75 2.00 3.75 3.75
American National Insurance Company Palladium MYG Annuity 10 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 4.65 3.65 3.75 3.75
West Coast Life Sure Advantage 10 Low-Band	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  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: DE MN NY PR VI VT	0-75: 2.50 76-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5 0	Rate Changed: 03/09/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.75 1.50 3.75 3.75
American National Insurance Company Palladium MYG Annuity 8 Low-Band	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  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: NY PR UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 3.7 1.50-2.00 3.70 3.70
ING USA Annuity and Life Guaranteed Choice 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	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 VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 03/17/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.7 1.50 3.70 3.70
American National Insurance Company Palladium MYG Annuity 10 Low-Band	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  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: NY PR UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 4.55 3.55 3.65 3.65
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 High-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: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.60
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.65 1.70 3.65 3.65
American National Insurance Company Palladium MYG Annuity 7 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 4.45 3.45 3.59 3.59
American National Insurance Company Palladium MYG Annuity 9 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 5.3 3.30 3.52 3.52
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  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: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.60
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3.5 1.70 3.50 3.50
American National Insurance Company Palladium MYG Annuity 7 Low-Band	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  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: NY PR UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 4.35 3.35 3.49 3.49
American General Life Insurance Company AG HorizonSelect 7	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 OR PA PR UT VI WA	0-80: 4.00 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: 02/08/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.45 2.00 3.45 3.45
American National Insurance Company Palladium MYG Annuity 9 Low-Band	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  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: NY PR UT VI	0-79: 3.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 9 Yield to SurrenderTM Current Guarant'd 9 Year MYGA with Bonus 9 Years 2% 5.2 3.20 3.42 3.42
American National Insurance Company Palladium MYG Annuity 6 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 3.35 1.50-2.00 3.35 3.35
American General Life Insurance Company AG HorizonSecure 7	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	0-80: 4.00 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: 02/08/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 3.25 2.00 3.25 3.25
American National Insurance Company Palladium MYG Annuity 6 Low-Band	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  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: NY PR UT VI	0-79: 2.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 3.25 1.50-2.00 3.25 3.25
Lincoln Benefit Life Tactician Plus 10 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3 3.00 3.00
Lincoln Benefit Life Tactician Plus 10 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 3 3.00 3.00
Lincoln Benefit Life Tactician Plus 9 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	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: NY PR VI	0-80: 2.00 81-85: 1.50 86-90: 1.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3 3.00 3.00
Lincoln Benefit Life Tactician Plus 9 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR VI	0-80: 2.00 81-85: 1.50 86-90: 1.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3 3.00 3.00
American General Life Insurance Company AG HorizonSelect 5	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 OR PA PR UT VI WA	0-80: 4.00 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: 02/08/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2.85 2.00 2.85 2.85
United States Life Insurance Co. (NY) AG Horizon EmpireSecure 7	Non-Qualified Owner: Annuitant: Qualified Owner: Annuitant:	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  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	Only Available in: NY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.85 2.00 2.85 2.85
American National Insurance Company Palladium MYG Annuity 5 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 3.6 2.60 2.80 2.80
American National Insurance Company Palladium MYG Annuity 5 Low-Band	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  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: NY PR UT VI	0-79: 4.00 80-85: 2.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 5 Yield to SurrenderTM Current Guarant'd 5 Year MYGA with Bonus 5 Years 1% 3.5 2.50 2.70 2.70
American General Life Insurance Company AG HorizonSecure 5	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	0-80: 4.00 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: 02/08/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2.65 2.00 2.65 2.65
Lincoln Benefit Life Tactician Plus 8 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.45 2.45 2.45
Lincoln Benefit Life Tactician Plus 8 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.45 2.45 2.45
American National Insurance Company Palladium MYG Annuity 4 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 2.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-4 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 4 Year MYGA 4 Years none 2.25 1.50-2.00 2.25 2.25
Lincoln Benefit Life Tactician Plus 7 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.25 2.25 2.25
Lincoln Benefit Life Tactician Plus 7 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.25 2.25 2.25
American National Insurance Company Palladium MYG Annuity 4 Low-Band	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  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: NY PR UT VI	0-79: 2.00 80-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-4 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 4 Year MYGA 4 Years none 2.15 1.50-2.00 2.15 2.15
Lincoln Benefit Life Tactician Plus 6 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	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: NY PR VI	0-75: 2.00 76-85: 1.50 86-90: 1.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.15 2.15 2.15
Lincoln Benefit Life Tactician Plus 6 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR VI	0-75: 2.00 76-85: 1.50 86-90: 1.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.15 2.15 2.15
United States Life Insurance Co. (NY) AG Horizon EmpireSecure 5	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  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	Only Available in: NY
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 02/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2.15 2.00 2.15 2.15
American National Insurance Company Palladium MYG Annuity 3 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR UT VI	0-79: 1.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-3 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 3 Year MYGA 3 Years none 2.1 1.50-2.00 2.10 2.10
American National Insurance Company Palladium MYG Annuity 3 Low-Band	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  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: NY PR UT VI	0-79: 1.50 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50-2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-3 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 3 Year MYGA 3 Years none 2 1.50-2.00 2.00 2.00
Lincoln Benefit Life Tactician Plus 5 Low-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 3,000 Monthly: 3,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.65 1.65 1.65
Lincoln Benefit Life Tactician Plus 5 High-Band	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	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: NY PR VI	0-75: 4.00 76-85: 3.00 86-90: 2.00 see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		8 8 8 7 6 5 4 3 2 1	Rate Changed: 03/08/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.65 1.65 1.65
Lincoln Benefit Life Treasury-Linked Annuity	Non-Qualified Owner: 90 Annuitant: 90 Qualified Owner: 90 Annuitant: 90	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 3,000 Monthly: 3,000	Yes-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: MA NY OR PR VI WA	0-80: 3.00 81-85: 2.40 86-90: 1.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 8 7 6 5 4 3 2 1	Rate Changed: 02/15/10
	Guaranteed Minimum Value:			Next Change : 03/22/10
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 1.55 1.55 1.55
Surrender Charges Last 9 Years
West Coast Life Sure Advantage 9 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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: DE MN NY PR VI VT	0-75: 2.50 76-85: 1.00
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 9 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 03/09/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.6 1.50 3.71 3.71
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 High-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: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.60%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.6 1.60 3.60 3.60
West Coast Life Sure Advantage 9 Low-Band	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  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: DE MN NY PR VI VT	0-75: 2.50 76-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		8.5 7.5 6.5 5.5 4.5 3.5 2.5 1.5 0.5	Rate Changed: 03/09/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.6 1.50 3.60 3.60
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  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: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 03/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.60%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 3.45 1.60 3.45 3.45
ING USA Annuity and Life Guarantee Choice 7 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	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 VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 03/17/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 3.75 2.75 2.89 2.89
ING USA Annuity and Life Guarantee Choice 7 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	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 VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 03/17/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.75 1.50 2.75 2.75
Principal Financial Group Select Series 9 High-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	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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE MN MO NY PA PR VI WA	0-79: 1.00 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 7 6 5 4 3 2 1	Rate Changed: 03/15/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.45 1.50 2.45 2.45
Principal Financial Group Select Series 9 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	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  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: DE MN MO NY PA PR VI WA	0-79: 1.00 80-85: 0.50
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 7 6 5 4 3 2 1	Rate Changed: 03/15/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.25 1.50 2.25 2.25
Surrender Charges Last 8 Years
West Coast Life Sure Advantage 8 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	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: DE MN NY PR VI VT	0-75: 2.50 76-85: 1.00
	Withdrawal Notes:			Premium Bonus: 1.00
	Withdrawal Charges 8 years:		8.5 7.5 6.5 6.6 4.5 3.5 2.5 1.5	Rate Changed: 03/09/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 3.45 1.50 3.58 3.58
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 High-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: CA IL MN MO NV OR PR VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 7 6 5 4